Refinance your auto loan at a lower interest rate
Extend the loan term to reduce the monthly payment
Make a larger down payment if buying a car
Trade in or sell the car and choose a less expensive vehicle
Negotiate the purchase price before financing
Improve your credit score before refinancing or buying
Shop around with multiple lenders for better rates
Remove add-ons, warranties, or extras from the loan
Make a lump-sum principal payment and refinance afterward
Ask your lender about payment deferral or hardship options
Lease a cheaper vehicle instead of financing a more expensive one
Buy used instead of new
Reconsider optional insurance products included in the payment
Pay off other debts to improve your debt-to-income ratio
Choose a shorter loan only if you can afford higher payments and want less interest