upgrading car- finance options

[astraman]

Hi
I want to upgrade my car which has 6000 outstanding(settlement fee).I reckon im only looking at 4500-5000 max by trading it in so would have between 1000-1500 to carry on to my next car.However in my agreement terms i can hand the car back if i pay half the term agreed of which i am only £350 below having paid.What are my options as i dont know if the salesroom would take the car and allow the outstanding £350 to be carried onto a new agreement or would i have to deal with the finance company on my own first.I would rather pay £350 than have up to £1500 carried on with interest to a new car.

[bednobs]

from experience, you need to secure finance on the new car before you "hand back" the other one - they will make a note on your credit file that you ended the agreement this way