Pay off the loan balance in full
Refinance the loan with better terms
Sell the car and use the proceeds to pay the lender
Trade in the car and roll the balance into another loan
Negotiate a voluntary surrender with the lender
Request a hardship modification from the lender
File bankruptcy if eligible and appropriate
Ask a co-signer to help pay or take over payments
Transfer the loan if the lender allows assumption
Contact the lender immediately if you cannot make payments