Pay off the loan in full
Sell the car and use the proceeds to pay the lender
Trade in the car and roll the remaining balance into another loan
Refinance the loan to lower payments or shorten the term
Negotiate a voluntary surrender with the lender
Return the car if you are within a return or cancellation period
Ask the lender about hardship programs or payment deferrals
Transfer the loan if the lender allows an assumption
File bankruptcy if the debt is unmanageable
Settle the loan for less than the full balance if the lender agrees
Stop driving the car and save for a payoff if you want to keep it
Review the contract for prepayment penalties, repossession terms, and transfer options