The Vybe is a good bike for the money, but it is geared pretty low. No problem for most.
The rear is a 14-32 Screw on type sprocket. The front is a 46 teeth. The front is alloy cranks with fixed steel chainring and double chainguard.
If you would change to 53 in the front the top gear would go up from 66 to 75, alternatively ramp up to 56 in front and you would get 79
New crankset and longer chain, plus installation would cost you about 150 dlr if you choose a good crankset.... etc etc...
No dealer can take back a used bike for 50 dlr ... Dealers usually can sell used bikes for around 50 % off new price. Maybe a little more. But that's SELLING price not buying ... Maybe just maybe if the bike is 100 % and could sell as "almost" new, and if you upgrade to a more expensive bike than you could expect maybe 300 dlr credit... Maybe