Make extra principal payments every month
Pay more than the minimum due
Switch to biweekly payments if allowed
Round up each payment to the next convenient amount
Apply windfalls to the loan
Use tax refunds, bonuses, or side income toward principal
Refinance to a lower interest rate if eligible
Shorten the loan term when refinancing
Avoid payment deferrals and extensions
Cut unnecessary expenses and redirect the savings
Automate extra payments to stay consistent
Confirm extra payments go to principal only
Sell unused items and apply the proceeds
Use a debt snowball or debt avalanche strategy
Keep the car and avoid rolling negative equity into a new loan
Recheck the loan balance regularly to track progress