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You'll need to take a look at the original loan documents.

However, a lot of the time, the cash back is actually from the manufacturer, and it's not part of a loan. It's actually just cash that the manufacturer gives you. Typically most people will put it into the down payment.

If the dealership has repossessed the car, they may not be able to pursue the debt any further under the "seizure or sue" rule.

Your friends may be correct about being free and clear here. However, their credit rating is going to be f-ed.