For context we bought a 2022 Tiguan SE for 32k and put 10k from our trade in . Our car payment is 380 with a 4.30 interest rate for 72 months, it has 42,000 miles and we have 4 years of payments left. Our issue is our Tiguan had a faulty battery and has been dying multiple times every time we drive it, plus it’s missing blind spot detection and lift gate form chip shortage and it has a big dent on passenger side doors and plastic missing from when a hog hit us, if we keep the Tiguan we will have to get it fixed and it will raise our insurance rates, and it has a crack in the windshield, with a few scratches and dings throughout.

I recently found a 2023 atlas SE for $26,900 it has 29,000 miles and 74,000 mile warranty Tiguan warranty expires in 7000 miles). I negotiated them down to $23,900 and they are giving us a trade in of $18,500 for the Tiguan, out the door price and what we would finance would be $22,950. We owe $16,000 on the Tiguan. Is this worth it, I really don’t like the Tiguan. Just to add the atlas is a 2.99 interest rate for 60 months.