Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What is the best way to trade my car in if I have unfortunate credit? - I currently have a 2004 Impala that I am paying a car note on. I have had it for 2 years I don't have any bankruptcy or repossessions on my credit report. My current pay off balance is like 7 or 8,000. But I already have 130, 000 miles on it and I would rather invest that money in a newer car.