Can you turn in a car that is financed and not fully paid for?

You can't simply "turn in" a car that's still financed without the lender's permission. What you're describing is usually called a voluntary repossession. You'll need to contact your lender and explain your situation. They will likely have a process for surrendering the vehicle. However, be prepared for several potential consequences:

* You'll likely owe money: The amount you owe will be the remaining loan balance, plus any fees associated with the early termination of the loan (like early payoff penalties). This is often called a deficiency balance.

* It will negatively impact your credit score: A voluntary repossession will severely damage your credit score, making it harder to get loans, rent an apartment, or even get some jobs in the future.

* Repossession fees: The lender may charge fees for repossessing the vehicle, adding to the amount you owe.

In short, while you can *surrender* the car to the lender, it's not a simple process and will have significant financial and credit ramifications. It's crucial to contact your lender *before* simply abandoning the vehicle to understand your options and the potential costs. They might have options like working out a payment plan or other solutions to avoid repossession.