If your car is worth substantially more than you owe on it, some lenders allow what is known as cash-out auto refinancing. You borrow more than you owe on your current loan, pay off that lender and take the remainder in cash.
Cash-out auto refinancing could make sense, for example, if you need money for an emergency. Interest rates for cash-out refinancing may be lower than what you would pay on a credit card or personal loan, because the loan is secured by your car.
But borrowing against your car comes with risks. If your car is totaled or you eventually want to sell it, you might not receive enough from insurance or the buyer to pay off your loan balance. You would then be responsible for paying the remainder of the loan.