The majority of the loan has not been paid for, but from my understanding there should be away around all of this... even if l have to sell it myself. Reason being l know models after 2001 9-3 Saab is have an almost definite sludge problem in the engine. I'd appreciate any help on this topic.

What model & year is ur Saab? l do not believe that 9-3 is 2003+ were affected by sludge. 2001 & 2002, maybe. Regardless, before u go wasting time & money trying to sell it, definitely get ur car checked out by a Saab specialist. It is very easy to tell if you've got sludge, & if u do not already it is very easy to prevent with the PCV update & 5k mile oil changes. Sludge does not just pop up over night. It takes a while so if u keep an eye on things & keep up with maintenance u will get many loving miles out of ur Saab. It is up to u though, if u really want to give up on it no one is stopping you. Good luck & l hope u keep it!

You would have to sell the car & pay back the loan since a preexisting condition is not a reason for a dealer to buy back a car. However, ur model year is important as ur facts r not quite right. Here is a link showing the models & years Saabs r affected, through 2003 but not beyond:

http://lemonlawclaims.com/saab_engine_failure_and_sludge_p.htm

This link also shows that the problem ends in 2003, but also shows the biggest offender with this problem (widespread) is Toyota, bellieve it or not:

http://synlube.com/sludge.htm

Finally, this link explains with the changeover to the Ecotec engine during the 2003 model year the problem went away:

http://wheels.ca/article/32654

So, before rushing off & selling u may want to consider the model year u own since u did not specify it in the question.