I know I'm taking some what of a loss on the money part

"Some what of a loss" ... you'll literally be pissing away several thousand dollars, if a couple thousand is insignificant to you, then by all means go for it. It's a good way to set yourself up for a lifetime of poor financial decisions. Do you NEED a Challenger, or do you just want one? If you want one, then put some effort into paying off the Focus first. If you can't pay off the Focus before selling it and buying the Challenger, then you can't afford it. Being able to make the monthly payments =/= "I can afford it". This is how people get into never-ending cycles of rolling negative equity into new car loans, it's a terrible habit and will bite you in the ass down the line somewhere.