Kia Rio

I am a single mom for 19 years already have brought up my daughter by myself with no help from her dad. It's been a long hard road but have managed 😁. On 6th of June my house burned down and we lost everything in the fire even my dogs died in the fire 😭 due to smoke inhalation. An then last months my car's engine packed up and had do a complete engine overall. It cost me 31000.00 to get it done. I have paid 16000.00 towards the car and wanted to pay the rest off as I do not have all the money but the will not give me my car unless it's paid in full. My heat is very sore as it was my dad's car so it is very dear to me and don't want to lose it.