If you can get a loan at a substantially lower rate than you are currently paying, I'd go for it. There is no way you can sell your Week or even give it away while it is collateral for a loan. If you can get a loan at a lower rate to pay it off without having to post it as collateral, you not only will save money but you will also have the ability to sell or give it away if that is the direction you want to go.
George