Your best option is to sell your vehicle, if it is worth more than you still owe on the loan.

If you owe more than the vehicle is worth, then you'll need to pay the difference in order to sell the vehicle. For example, if the vehicle is worth $20k, but your loan is for $22k, you'll need to come up with the $2k difference at the time you sell the vehicle in order to walk away with nothing.

If you stop paying and the vehicle is repossessed, you still owe the total loan balance, less whatever the vehicle sells for at auction. In this case, your vehicle might sell for $17k at auction, so you'd owe $22k less $17k plus some amount of fees related to the repo, so perhaps $6k total that would go to collections. This is your worst option.