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3 min read published August 22, 2022
Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital media strategist. She's been published in several leading financial media outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to control their finances by providing concise, well-researched, and well-documented information that breaks down otherwise complex topics into manageable bites.









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This can make your monthly payments less expensive. But, you'll likely need to agree to an and pay higher interest over the life of your loan. It's good to know that refinancing isn't your only option to lower your car payment. Other alternatives are also possible to alleviate the burden of paying a huge car loan and make to make room in your budget. 3 methods to cut down on the cost of your car without refinancing When you sign on the dotted line to take out an auto loan typically, you'll be given the option of a monthly installment that is due each month for a specified time. If you thought the payments were feasible when you took out the loan however, it hasn't been able to work due to modifications in your financial circumstances There are alternatives that do not require . 1. Request an loan modification Contact the lender to explain that you're struggling to stay afloat financially and you are in danger of being behind on your auto loan payment. The first representative you speak to may not offer much help or suggestions, but you can contact an loss mitigation team to find an individual who can assist. Repossessions are expensive and take a lot of time and time-consuming for the lender. They may therefore offer to modify the terms of your loan that could involve cutting down on your interest rates or loan term, to make the loan more affordable . Alternately you and the lender might agree to a short-term payment plan that involves deferring the payment for few months to give you much-needed financial relief. If you've been unable to make a payment on your auto loan, you may not be out of luck. But, it is important to let the lender know that you're facing financial difficulties sooner instead of later. The lender could agree to divide the past due balance into smaller amounts that you'll pay over an extended period. 2. You can trade it in to purchase a car that is less costly If you're not or are owing more than it's worth -- trading in your car for a less expensive one could be beneficial. The difference between the trade-in value and what is owed on the current loan will reduce the amount of the new loan amount. It will also save you from having to deal with the hassle of putting your vehicle up for sale and hoping to attract the right buyers. Market conditions are making it easier to receive the highest price on your trade-in. New car prices are at an all-time high, creating an rise in the demand for second-hand vehicles. Selling your car today is a relatively straightforward procedure that involves taking it to the dealer for them to inspect it and present you with an offer. The value of your trade-in is contingent on the type, make, mileage and the condition. By going to several dealerships before making your decision, you can negotiate the best price. If you're considering trading for your car, it's best to make it happen as soon as possible. Prices for used cars are beginning to stabilize, meaning the offers for trade-ins will be lower soon. 3. Sell your items privately and get an affordable car if you are looking to make more money for your car think about . You will need time and patience, but you could maximize the savings you make since private sales usually result in more money for the pocket of the seller. This means you'll have more to put down on the purchase of your next car. Word of caution: There's still a nationwide sale because of supply chain issues. But , as I mentioned the market for used cars is beginning to change and a decrease in price points is expected. This means that you won't make as much money from your vehicle as you had a few months back in the boom in used cars. If you want to refinance, it's best to do so. refinancing your car loan may be a good option if you have excellent or excellent credit scores and qualify for a lower interest rate. But here's the catch It is important to apply for an loan term that is close to or equivalent to the amount of remaining time on the current loan. If not, you'll get an easier payment, but you could spend several hundred or thousands worth of additional interest during the loan period. If you're unable to come to an agreement between you and your lender or exchange your current car for one that will meet your needs, refinancing can assist you in avoiding repossession. In addition, you'll receive the less expensive payment you require and preserve credit, even when it means paying the lender more interest. Following steps A large vehicle payment can strain your budget and make you contemplate the possibility of refinancing your loan. But, you'll likely have to pay more interest if obtain a higher interest rate or a longer term, so you should talk to your lender to request the loan modification. Also, consider changing your car to an affordable one. Have your car appraised to determine how much it's worth, and then look around to see if there are more affordable automobiles that can come with a lower cost per month and will meet your requirements. If you find options that work, collaborate with a lender to get into the purchase of a new car and loan which could improve your financial situation. Find out more


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Written by

Allison Martin's career started over 10 years ago as a digital media strategist, and she's since been featured in a variety of top financial outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to take control of their finances by providing clear, well-researched information that is broken down into complex subjects into digestible pieces.






Auto loans editor




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