“You can’t return a car to the dealer simply because of buyer’s remorse or costly payments.
If you do, this is known as a voluntary repossession. It will have a devastating effect on your credit—the same impact that an involuntary repossession would have.
Before you decide to hand the car over, you might want to shop around to see if you can refinance the vehicle. If you have decent credit and income, you might be able to lower your monthly payments enough to fit your budget.”