The short answer is no. Although many people wonder how to return a car you can't afford, it is not quite that easy. Once you have financed a car, then you are a party to a binding contract. You are required to make the payments as outlined in the loan agreement. If you are unable to make the payments, then you might consider a voluntary repossession. This is similar to returning the car, and the lender might be willing to work with you on alternate repayment options.