Car connundrum needing fresh eyes

Debt

I [40, F, Cape Town based] am currently halfway through the finance term of my Audi A1 (2018 model) which means I'm basically down to paying the capital. My settlement value is more or less that of the retail value. A week ago, my car broke down and it turns out the dual gearbox and some other parts need a full replacement that will cost about R60k. I simply don't have this cash and debt is not an option either. (My mechanic friend also advised that this ia not a DIY mechanic type fix).

Luckily for me, I work from home so transport isn't the greatest priority right now and I don't really need the car. (Irony since I considered selling it a week before it broke).

The only solution I could think of, is to keep on paying the car for the next 8-12 months while is it parked in my home garage, until such a time that the amount outstanding on the finance equals what I can get for it plus repairs.

I was wondering if there are places/people who buy cars for cash, who would be willing to buy the car and take care of the repair work perhaps at a slightly reduced price than if I would fix it myself. At the same time, I have no idea where to advertise this either. But thinking this could be ideal for someone who has cash but not finance options. If so, where do I go for this? (Highly aware and adverse to scams and illegal deals)

Is there another option I'm not considering that can rid me of this liability currently? Hoping that I may simply miss a far easier and shorter route that is very legal and safe. Thanks

Posted Jun 23, 2026, 10:30 AM UTC

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