It's a lot better to get rid of it. Then you're not paying interest on the loan and also riding the depreciation curve on the asset value. You'll have more money in the end if you do it that way than paying for a car you aren't using. But yeah, if you can't find enough to cover the difference via a reasonable interest loan then you have no choice.

I've noticed a lot of time I'm using something and I think "man this interface is shit" it's because all of the buttons are the same size. I'm looking for the button that does whatever the primary purpose of the program is and subconsciously expect it to be big. I use a lot of niche software made by like 3 people (none of which are UI designers) so it's a recurring theme.