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I would suggest NOT to pay it off if your saying your gonna get rid of it. Just puts you farther in the hole with depreciation, especially with the new Mustang coming out! Dump it now and take your lumps and get what you want while your trade in is still high. I was in a similar situation and don't regret the trade one bit as it paid for half my FRS, and I'm smiling every day since purchase! Also, sounds like you'd be doing the same thing with the Miata; IE trying to make a BRZ/FRS like the Stang. Remember you can't make a silk purse out of a sows ear...
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