If you are stuck paying more than you want to on your car loan, there are a few easy ways to get a lower car payment.
Refinancing your car loan with a lower interest rate or a longer term is the fastest way to start paying less each month. However, there are still things you can do if refinancing is not for you.
One way you may be able to get lower car payments without refinancing is to ask your lender for a modified payment plan. Depending on your situation, your lender may be willing to work with you on a car loan modification or another option.
You can also get lower auto payments by trading in your car and buying or leasing a cheaper one, but this may require more work on your part.