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What to do when you can’t afford your car payment Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive financial calculators and tools that provide objective and original content, by enabling you to conduct research and compare information for free and help you make informed financial decisions. Bankrate has agreements with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that appear on this website are provided by companies that compensate us. This compensation can affect the way and when products are featured on this website, for example, for example, the order in which they appear in the listing categories in the event that they are not permitted by law. This applies to our loan products, such as mortgages and home equity and other products for home loans. This compensation, however, does not influence the content we publish or the reviews you read on this site. We do not include the entire universe of businesses or financial offerings that could be accessible to you. Westend61/Getty Images

4 min read Published April 19 2022.

Dan Miller Written Dan Miller Written by Points and Miles Expert Contributor Dan Miller is a former contributor to Bankrate. Dan covered loans, home equity and debt management in his writing. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to control their finances by providing clear, well-researched facts that break down complex topics into manageable bites. The Bankrate promises

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At Bankrate we strive to help you make smarter financial decisions. While we are committed to strict ethical standards ,

This article may include some references to products offered by our partners. Here’s how we earn our money . The Bankrate promise

Established in 1976, Bankrate has a proven track experience of helping customers make wise financial decisions.

We’ve maintained our reputation for more than four decades through demystifying the financial decision-making

process and giving people confidence in which actions to take next. process and gives people confidence in the next step.

so you can trust that we’ll put your interests first. Our content is created with and edited ,

They ensure that what we write is objective, accurate and reliable. Our loans journalists and editors focus on the things that consumers care about the most — the different kinds of loans available and the most competitive rates, the most reliable lenders, how to repay debt, and many more, so you can feel confident when making a decision about your investment. Editorial integrity

Bankrate follows a strict and rigorous policy, so you can rest assured that we’ll put your needs first. Our award-winning editors and reporters create honest and accurate information to help you make the right financial choices. The key principles We respect your confidence. Our mission is to provide readers with accurate and unbiased information, and we have established editorial standards to ensure that is the case. Our reporters and editors rigorously fact-check editorial content to ensure that the information you’re reading is accurate. We keep a barrier between our advertisers and our editorial team. The editorial team of Editorial Independence Bankrate does not receive compensation directly from our advertisers. Editorial Independence Bankrate’s team of editors writes for YOU – the reader. Our goal is to give you the most accurate advice to help you make intelligent financial decisions for your personal finances. We follow the strictest guidelines in order to make sure that content isn’t in any way influenced by advertising. Our editorial team is not paid directly from advertisers, and all content is checked for accuracy to ensure its truthfulness. So when you read an article or a review, you can trust that you’re receiving reliable and dependable information. How we make money

There are money-related questions. Bankrate can help. Our experts have helped you understand your finances for more than four years. We continually strive to provide consumers with the expert advice and tools required to make it through life’s financial journey. Bankrate follows a strict policy, which means you can be confident that our information is trustworthy and precise. Our award-winning editors and reporters provide honest and trustworthy content that will help you make the best financial decisions. The content created by our editorial staff is factual, objective, and not influenced from our advertising. We’re transparent regarding how we’re able to bring quality information, competitive rates and useful tools to you , by describing how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for placement of sponsored products and, services, or through you clicking certain links posted on our site. This compensation could affect the way, location and in what order items appear within listing categories in the event that they are not permitted by law. This is the case for our mortgage home equity, mortgage and other products for home loans. Other elements, such as our own rules for our website and whether or not a product is available within the area you reside in or is within your personal credit score can also impact the way and place products are listed on this site. We strive to offer a wide range offers, Bankrate does not include details about every financial or credit product or service. One of the most important aspects of creating the success of a budget is to fit all your expenses for the month within your income. As part of your routine review of your budget, you could find yourself in a situation in which you feel you’re not able to afford the car payment. If that’s where you’re at, you have several alternatives to help you get your finances back. Each option comes with its own set of pros and cons, and you’ll want to review them carefully to see which option might be right for you. Contact the dealership and request a trade The first step that you can take is to reach out to your dealer and ask if you are able to trade in your vehicle to a less expensive model. It might be simpler to determine if you originally bought your vehicle through a dealership and the loan is funded through it. That might make the dealership more flexible in making arrangements with you. However, even if this isn’t the case it’s worth calling the dealer to see what options might be open to you. Based on the difference in price between the two cars, and the term and the length of time, you might be able to save a significant quantity of dollars by changing purchasing purchase a cheaper vehicle. Be aware that the current market may make trading your car slightly more difficult. Prices of used cars have increased significantly from the last few years ago. So, depending on what kind of car you are selling and the kind of car you’re planning to get instead, it may be more challenging than expected. Request loan modification Another option you can consider if you are unable to pay for your car is to apply for an . Through a loan change, you negotiate with the lender to alter the terms of your loan. This could include decreasing your interest rate, delaying payments for a period or altering your due date to align better with your plans. A loan modification can also extend the duration of your current loan. This usually reduces the monthly payment, however you’ll be paying more in interest over the life of the loan. You should be careful and ensure that the numbers are in your favor you before agreeing to any modification. Refinance your auto loan When your lender will not alter your loan, you also have the option of refinancing . You can shop around and apply for prequalification with a variety of lenders to determine the most favorable rate and conditions. If you have an account with the local credit union or bank, you might be able to find better rates there since you have an existing relationship with them. Before you refinance your auto loan, find out whether you qualify. Even even if you have a low credit score, you might be eligible if you are able to pay off your auto loan in a short time or have increased you credit scores. Be sure to check the fees related to refinancing an auto loan. There are fees that include an early termination fee, transaction fees as well as state registration fees. the cost of auto insurance and late payment fees. Consider this as a possible process to refinance your car Consider refinancing as the best option for you financially. Review your existing loan. Check the credit rating. Determine the worth of your car. Find the most competitive refinancing rates. Calculate how much you’d save by refinancing. Make sure you have your paperwork in order. Sell privately and then buy within your budget. If aren’t able to pay for your car in the present, a different option to consider is to sell your car privately and purchase a new vehicle that’s more in line with your budget. There are more steps involved with this, but it’s nevertheless feasible. This market has been particularly good for selling a used car, with prices significantly higher than in previous years which means you might be able to get a great price. Of course, the flip downside to a highly-priced used car market is that it may be harder to locate the right replacement car to fit your budget. It is important to research the market thoroughly and know how much it will cost to purchase your new car. This will provide you with an idea of the amount you’ll save when you switch cars and whether it will be worth it to you. Ask friends and family for assistance A last resort may be to contact your family and friends for help. It could or might not be the right choice for you, based on your relationship with family and friends, as well as their financial situation. But if you’re in an extremely difficult situation in which you are unable to afford your car payment, talking with the people closest to you might be a good avenue to consider. Be aware that help from family and friends doesn’t have to require a financial commitment. Although it would be wonderful having a wealthy uncle who would just take care of your loan quickly, the majority of us are not in that situation. However, in addition to financial help, your friends and family might be looking to sell their used vehicle or know someone who has. These connections could aid you in saving money. The next steps to take when you’re in a spot where you can’t afford your car payments, recognizing and taking stock of your financial situation is the most crucial step. If you ignore the situation, or even worse, missing payments on your car loan can cause serious problems in your financial standing. After you identify the problem then you need to look into the alternatives. Contact your lender first to determine if they would be willing to amend the terms of your loan. Lenders don’t like modifying existing loans, but they also aren’t keen on repossessing cars. You must convince them of why it is important to modify your loan to continue making payments. Based on your circumstances and your score on credit, you may be able to refinance a loan and possibly save cash. Be sure to study the costs related to refinancing and understand the conditions of the loan agreement before making any decision. Commonly asked questions What should I do if I’m unable to pay for my car? If you’re not able to pay your car loan and you are in a position to pay it, now is the right time to act. Review your options below: Reach to your lender, see if you can defer payments, consider getting a new loan, sell your car, or sell it or surrender your car in exchange for a fee. What are the costs for refinancing an automobile loan? Costs for refinancing an automobile loan could include early termination fees as well as transactions fees including state registration fees, auto insurance cost late payment fees, as well as an upfront cash payment. Is it possible to refinance an auto loan with a poor credit score? You may be qualified to refinance a loan even if you have a low credit score. Learn more

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The article was written by Points and Miles Expert Contributor Dan Miller is a former contributor to Bankrate. Dan wrote about loans as well as home equity as well as debt-management in his writing. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances with clear, well-researched details that cut otherwise complicated topics into digestible pieces.

Auto loans editor

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