When you cant afford the payments on your car what is the best choice to make having your car voluntary repossession of selling to a third party to pay off loan?

It is allways best to pay off the loan.

So in order from good to bad:

1st: So if you can do it sell the car and pay the loan. Looks good on the credit score.

2nd Volintary Repo with the bank or lender giving a written quit claim meaning they wont chase you for more money. Looks bad on the credit score but you are done with the trouble from this loan.

3rd Volintary repo. bad on credit score and the lender can chase you for remainder of the loan and fees.

4th Make the finance company come get it involintary repo. Same as # 3 except the lender will have much higher fees and will be vindictive chasing you for the moey.