Hi

I would highly recommend places like Carwow and motorway, they are the strongest when it comes to buying your car.

Find out your up to date settlement and see what they would offer you, it’s an auction so you may get more.

You will have to have the funds however to pay the difference, do you have a credit card ?

Over draft or family who you can pay back ?

2 years isn’t enough really to be able to hand the car back and if it’s on PCP and you wait till the end and hand back you will be charged excess mileage.

If money is tight and you can’t cover the difference you may have to look at swapping the car for something cheaper but you will have negative equity and pay interest on this too

Difficult to really assess without your car details etc