i don't think you can just hand it over to the bank.

you can find someone to take the car and take over the installments.

or can sell the car and use that money to repay the loan, although you might have to pay a little out of pocket depending on the market value of the car.

what kind of car is it? i am looking myself, and know a couple of people who are as well.

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"Even a stopped clock gives the right time twice a day." Withnail & I