I'll start by saying I know I'm an idiot. I was leasing a car, which I intended to buy at the end of term because I got a higher paying job which caused me to drive further and go over my mileage. I planned for this so I started saving money and almost had enough to pay the residual value in full.

Except when the lease ended I just didn't do anything due to some life circumstances which I won't go into here. So the car was repossessed while I was at work and they gave me a payoff amount ($21k) and a 2 week deadline before they try to auction it.

I tried to get financing through my credit union and other lenders but this destroyed my credit score and others say they can't/won't finance a car that's been repossessed.

One week later and I'm about $3k short off the full payoff amount and the only thing I can think to do is use my credit card cash advance feature to come up with it. I'm obviously hesitant because again..…