Thatd be the best bet, other than keeping the car lol. Get as much as you can and roll over the positive equity into the next vehicle.

That’s a high rate. You can negotiate the rate lower if your going through dealer financing. Just be willing to walk away and they’ll drop it, most likely. Years ago when I was in a similar situation Toyota financial offered me 13%, I was willing to walk away and they came down to 9. Six months later I financed with a local credit union for 4.