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If you still decide to go the Carmax route but still owe on the car, they simply call your bank or whomever you financed it through and determine the pay off amount and cut you a check for the difference (unless you're upside down on the loan).
But since you mentioned the tune contingency, that makes a lot more sense now going the private party route. Good price given your mileage however YMB is hit or miss. Hopefully you find someone who loves that color!
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