Contact your lender to ask about a payment due date change
Request a temporary hardship deferment or payment extension
Ask for a loan modification with a lower monthly payment
Extend the loan term if your lender allows it
Make a lump-sum principal payment to reduce future interest
Refinance with a different lender if allowed, but only if you choose to
Trade in the vehicle for a less expensive car
Sell the car and buy a cheaper one
Remove add-ons or optional products from the loan if possible
Cancel gap insurance, extended warranties, or service contracts for refunds if eligible
Reduce insurance costs by shopping for a lower premium
Remove unnecessary coverage if appropriate
Increase your down payment on a replacement vehicle
Make biweekly or extra payments when possible to reduce balance faster
Ask the lender to waive late fees or reduce fees
Set up automatic payments to qualify for a rate discount
Improve your credit score to qualify for better terms on future loans
Lease a cheaper vehicle instead of keeping the current loan
Reevaluate your budget and cut other expenses to free up cash for the payment