They are very easy to remove, especially if you have automotive electrical experience. However, doing so would void the agreement you have with the lender, the lender would repossess the vehicle and you open yourself up to legal liability.
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If you want to remove a hardwired GPS tracker from a car, the best option is to ask your local auto repair mechanic to help you out. They will ensure that the tracker is uninstalled properly and is viable for further use.