So the principle balance on the loan is $19k now? What’s the value of the vehicle if you were to sell it?

I assume since you said you’d ‘still owe a few thousand’ that this means you have negative equity. If you were to sell the car (either to dealer or private), you’d have to come up with that ‘few thousand’ difference somehow.

If you trade it for a cheaper car, there’s a chance you could roll a bit of negative equity into the new loan, but that is not advisable. Tends to snowball quickly for people with a habit of doing that.