The largest auto maker settlement to date may not be enough to buy back the trust of some drivers.

On June 28, VolkswagenVOW, +4.15% submitted a settlement plan worth $14.7 billion to a federal judge following the company’s admission in September of cheating emissions tests by placing a “defeat device” in 11 million of its diesel vehicles world-wide. The settlement gives about 475,000 diesel vehicle owners in the U.S. the option to sell their car back to the company for its pre-scandal value or have it fixed to comply with emissions standards. Both options provide an additional cash payment between $5,100 and $10,000.

The payout is the largest on record by nearly 10 times. Last year, General MotorsGM, +3.43%agreed to pay more than $2 billion in consumer harm claims and $900 million to settle criminal charges with the U.S. Justice Department for its failure to correct an ignition-switch defect that led it to recall millions of vehicles and was linked to more than 100 deaths. And, in 2014, Toyota was fined $1.2 billion — the largest such criminal penalty for a car maker in the U.S. at that time — and settled a class-action lawsuit for $1.4 billion for concealing safety defects, which caused sudden acceleration in vehicles.

While industry experts have called the latest compensation plan generous and expect it to easily be approved, some Volkswagen owners covered by the deal aren’t ready to forgive and forget.

“I’m angry, I’m really angry,” says Denver-based writer Joseph Alper, 61, who owns a 2011 Audi A3 TDI. Alper’s vehicle would have an estimated resale value between $25,517 and $27,647, according to the National Automobile Dealers Association Used Car Guide. “This was an intentional decision the company made to commit fraud. Being reimbursed seems like they’re getting off light.”

Not everyone feels that way. A majority of owners (55%) said they thought the terms of the settlement were fair, according to a survey of 150 affected owners by automotive research site CarGurus. Although nearly 60% of owners said they weren’t happy with how the company communicated the settlement plan, 52% said that Volkswagen was taking the necessary steps to make amends with drivers, the survey found.

.@VW I’ve been a VAG owner for nearly 15 yrs I’m REALLY upset that almost 1yr has passed and I’m still not clear on next steps for my TDI. — Lord Macintosh  (@DarthGeekonius)

“It sounds like a pretty good shake if they follow through with it,” says Raphael Rosenbaum, a 27-year-old environmental scientist in New York City who owns a 2010 Jetta TDI, which would be worth between $13,675 and $15,350, according to the NADA Used Car Guide.

MarketWatch columnist Rex Nutting, who owns a 2013 Jetta TDI station wagon (worth between $23,350 and $25,730, according to the NADA Used Car Guide) wrote this column on feeling cheated by Volkswagen after being a customer for 15 years, says he thinks the terms of the settlement are generous. “When it first broke, our dealer offered to buy the car back at the pre-whistleblower price,” Nutting, 62, says. “I’m glad we didn’t because now we’re getting extra.”

Owners are also unsure of which option to choose should the settlement be approved — nearly half of those surveyed said they were undecided, while 14% said they would keep their car and 39% said they would sell it back to Volkswagen. “It would be more than I would get if I tried to sell the car now, but it would not be commensurate for what it’s worth,” Alper says of selling his A3 back to Volkswagen. “But there may not be a fix until 2018, if they even come up with a fix.”

Is “junkyard arbitrage” a term yet? (Def: scavenging for parts to resell on eBay. Inspired by convo w/Passat TDI owner about VW buyback.) — Molly B (@VintageReader)

Here’s the #TDI owner’s dilemma. Do I take our Sportwagen in for scheduled maintenance or just let it roll until the recall. #vw #dieselgate — theadambell (@abellva)

Others know exactly what option to choose. Rosenbaum plans on selling his car back, after paying for numerous emissions-related repairs beginning three years before Volkswagen admitted to using the defeat device. “The sooner it’s off my hands,” he says, “the better.”

As for the damage to Volkswagen brand loyalty, some owners are willing to give the auto maker a second chance. About 45% of those surveyed said they would buy another Volkswagen vehicle and 34% are undecided.

“I’m happy with the way the company has dealt with this,” Nutting says. “They’ve been pretty good about trying to reach out to the customers.”

“In five years, if they make the most phenomenal electric car, I might consider it,” Rosenbaum says.

Other owners, however, say they won’t be so quick to forgive the company — more than 20% said they would never buy another Volkswagen vehicle.

“I would walk before I bought another VW, Audi or Porsche,” Alper says. “They committed intentional fraud. That takes them off my list forever.”