Can i keep my Upside down car loan sepa

Well I'm not blessed with a dependable mate unfortunately. They're very hard to come by in my area. Endangered Species .

I hope you're not still paying for a nine year old VW. But, selling the VW and paying the negative equity will be your best course here, even if you have to start another loan, like a personal or real estate loan, or even a credit card. Then go into your new car with a clean credit history. And don't ever let a USED CAR SALESMAN talk you into a wrap around or combined loan for the junk they sell... You'll get a terrible car and you'll never see the end of your financial troubles.