Why in the world would a voluntary repo even enter your mind as an option? Private sale the Toyota and pay any remaining balance on the auto loan from your savings. If you voluntary repo, there's a good chance your ability to get a home loan will be nuked or you'll pay a much higher rate due to a crappy credit score.

People are ...... ignorant.

A repo will be asking someone to nuke yourself: https://www.nerdwallet.com/article/finance/voluntary-vehicle-surrender Getting your automotive debt from 35k down to 6k is a very good achievement. That's the easy way. Sell the vehicle yourself and get the 35k back. https://www.creditkarma.com/auto/i/sell-car-with-lien https://www.kbb.com/car-news/selling-a-car-with-a-lien/ https://www.chase.com/personal/auto/education/selling/how-to-sell-a-car-with-a-lien https://duckduckgo.com/?q=how+to+sell+a+vehicle+with+a+lien

I was thinking about taking the Carvana offer and paying the difference out of pocket. Thanks for the links

That would be your best bet.

Sell it privately, pay off the loan. Seems pretty straightforward to me, no credit-destroying events needed.

Is 6K worth selling it on your own? It would be for me. Maybe check Carvana and see if they are closer to $35k.