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What to do if you can’t make your final car loan payment Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering you interactive tools and financial calculators that provide objective and original content, by enabling you to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that compensate us. This compensation could affect how and where products appear on this website, for example such things as the order in which they may appear in the listing categories and other categories, unless prohibited by law. Our loan products, such as mortgages and home equity and other home lending products. This compensation, however, does not influence the information we provide, or the reviews you see on this site. We do not contain the vast array of companies or financial deals that might be available to you. SHARE Maskot/Getty Images

3 minutes read. Published April 29, 2022

Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers with the ways and pitfalls of borrowing money to purchase a car. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain confidence to control their finances through providing precise, well-studied information that breaks down otherwise complex subjects into digestible pieces. The Bankrate guarantee

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At Bankrate we aim to help you make smarter financial decisions. We are committed to maintaining strict ethical standards ,

this post may contain references to products from our partners. Here’s how we make money . The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a long track history of helping people make informed financial decisions.

We’ve earned this name for over 40 years by simplifying the process of financial decision-making

process, and gives people confidence in which actions to do next. process that is a strict ,

So you can be sure that we’re putting your interests first. All of our content is written by and edited by ,

They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans reporter and editor concentrate on the things that consumers are interested about the most — the various types of loans available as well as the best rates, the top lenders, ways to pay off debt and more . This means you’re able to be confident about investing your money. Editorial integrity

Bankrate adheres to a strict code of conduct , so you can trust that we put your interests first. Our award-winning editors and reporters create honest and accurate content that will assist you in making the right financial choices. Our main principles are that we respect your confidence. Our mission is to offer readers accurate and unbiased information, and we have standards for editorial content in place to ensure this happens. Our editors and reporters thoroughly fact-check editorial content to ensure that the information you’re reading is accurate. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team doesn’t receive compensation directly by our advertising partners. Editorial Independence Bankrate’s team of editors writes for YOU the reader. Our goal is to give you the best advice to aid you in making informed financial decisions for your personal finances. We adhere to strict guidelines in order in order to make sure that the content we publish is not affected by advertisements. Our editorial team is not paid any compensation directly from advertisers and our content is thoroughly fact-checked to ensure accuracy. Therefore when you read an article or reviewing it is safe to know that you’re receiving reliable and reliable information. How we make money

If you have questions about money. Bankrate can help. Our experts have been helping you master your finances for more than four years. We continually strive to give consumers the professional advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict policy, which means you can be confident that our information is trustworthy and reliable. Our award-winning editors and reporters provide honest and trustworthy information to assist you in making the right financial decisions. Our content produced by our editorial staff is factual, objective and uninfluenced by our advertisers. We’re open regarding how we’re able to bring quality content, competitive rates and helpful tools to our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or when you click on certain links posted on our site. So, this compensation can affect the way, location and in what order products are listed and categories, unless it is prohibited by law. We also offer mortgage home equity, mortgage and other home loan products. Other elements, such as our own proprietary website rules and whether or not a product is available in the area you reside in or is within your self-selected credit score range could also affect how and where products appear on this website. Although we try to offer a wide range offers, Bankrate does not include information about each financial or credit item or service. Making your car payment late or avoiding it completely can have the same consequences regardless of whether the payment is your first or your last. Inability to pay your vehicle payments can mean repossession. However, there are ways to hold onto your vehicle and avoid repossession, even if it is the final payment. Options if you can’t afford the final payment on your car you’re struggling to make your final loan payment, you have a few options to avoid future credit-related consequences and the costs associated with it. 1. Request loan modification. Requesting a modification will result in exactly what it sounds like: a modified loan. This differs from refinancing your loan. Modifications to loans are carried out directly with your current lender to alter the terms of your loan. A typical modification can result in lower interest rates, or deferred payments. Although this could be more difficult far into your loan contact your lender promptly can. 2. Transfer your car to your vehicle , you’ll have to reach out to several dealerships and see which ones have a more affordable vehicle available. This may be simpler if you financed your vehicle through a dealer and worked with the dealership, however it is still possible if not. Do not settle for the first offer you get take your time and research the value of your car when you ask for quotations. 3. Sell privately While does take an extra look this can help ease the stress of your car and allow you to get a more affordable option. It is particularly popular right now so you will likely be able to get a decent price. But selling your car could result in the need for a new car and since the market is hot, it may be challenging to find a car that meets your particular needs and budget. 4. Ask family and friends for assistance. Another option is to contact friends and family for help. While the assistance you receive doesn’t have to be financial, it might make you feel uncomfortable. Use this as a final attempt to get a loan for repossession of your vehicle instead of your first line of defense. Ask your friends and family whether they know anyone who is interested in purchasing or selling a less pricey vehicle, and then proceed from there. Refinancing your loan isn’t an option.

Unfortunately, if you are in the final stage of payment of your loan you are too far to refinance. There are strict rules for lenders in terms of refinancing on things like age of the vehicle as well as mileage and loan amount. [/su_editorial-insight How to avoid car loan payment issues in the future Not making your final car payment can be discouraging, but one financial misstep does not need to result in a lifetime of headaches. Instead, spend some time to prepare for your coming loan to ensure that you pay on time. Plan your next car purchase. The best way to avoid future financial hardships comes down to only financing a vehicle that you are able to afford. Before signing off on the next auto loan determine how your monthly payments fit into your budget — and also incorporating any major modifications to your bank account. Set up automatic payments. Not all lenders provide the option of making payments automatically however, the majority do. If you’re able to make a regular payment, it’s the best way to ensure that you pay your loan payments punctually and in full. You may even benefit from the rate discount that some lenders offer when you enroll in autopay. Be sure to look for loan add-ons If you’re financing through a dealer be sure to read the fine print in your loan agreement to ensure that you don’t spend extra monthly on . Be aware of typical add-ons like extended warranties, tire and wheel protection such as rustproofing, GAP insurance and rustproofing. The bottom line: Trying to make your final payment can result in you losing your vehicle If you don’t take action quickly. However, there are alternatives. You could consider loan modification, trading in your car, selling privately or contacting relatives and friends prior to accepting vehicle repossession. Keep up-to-date with the latest information options to ensure that you’re not in this dangerous situation when you purchase the next car you purchase. Find out more

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This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of borrowing money to purchase an automobile. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances by providing clear, well-researched details that cut otherwise complex subjects into bite-sized pieces.

Auto loans editor

Other Articles Related to Auto Loans 5 min read Nov 28 2022. Loans 3.30 min. read Aug 22, 2022 Auto Loans Read 4 minutes April 22, 2022 Debt 2 min read on Sep 1, 2021.

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How to navigate used car recalls Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive tools and financial calculators as well as publishing high-quality and impartial content. This allows you to conduct your own research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this site come from companies who pay us. This compensation could affect how and where products appear on this website, for example, for example, the order in which they appear in the listing categories, except where prohibited by law. This applies to our loans, mortgages, and other home loan products. This compensation, however, does affect the information we provide, or the reviews appear on this website. We do not contain the vast array of companies or financial offerings that might be open to you. SHARE: Vasily Pindyurin/Getty Images

3 minutes read. Published September 27 2022

Music written by Tara Mello Written by Tara Mello Driving for Dollars

Tara Mello Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to control their finances by providing concise, well-researched, and well-understood information that breaks down complicated topics into bite-sized pieces. The Bankrate guarantee

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At Bankrate we strive to help you make better financial decisions. We adhere to the highest standards of journalistic integrity ,

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

Founded in 1976, Bankrate has a long history of helping people make smart financial choices.

We’ve earned this name for over four decades by making financial decisions easy to understand

process, and giving people confidence about the actions they should do next. Bankrate follows a strict ,

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

We make sure that everything we publish will ensure that our content is reliable, honest and trustworthy. The loans reporter and editor are focused on the areas that consumers are concerned about most — the different types of lending options and the most competitive rates, the most reliable lenders, ways to repay debt, and more — so you can feel confident when making a decision about your investment. Integrity in editing

Bankrate adheres to a strict code of conduct standard of conduct, which means you can be confident that we’ll put your needs first. Our award-winning editors and reporters produce honest and reliable content that will assist you in making the right financial decisions. Key Principles We value your trust. Our aim is to provide readers with truthful and impartial information, and we have editorial standards in place to ensure that this happens. Our editors and reporters thoroughly check the accuracy of editorial content to ensure the information you’re reading is accurate. We have a strict separation 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 editorial staff writes in the name of YOU – the reader. Our aim is to provide you the best advice to help you make smart financial choices for your own personal finances. We adhere to strict guidelines in order to ensure that our editorial content is not influenced by advertisers. Our editorial staff receives no any compensation directly from advertisers and all of our content is verified to guarantee its accuracy. Therefore, whether you’re reading an article or a review you can be sure that you’re getting reliable and dependable information. What we do to earn money

You have money questions. Bankrate can help. Our experts have been helping you manage your money for over four decades. We strive to continuously provide our readers with the professional guidance and the tools necessary to be successful throughout their financial journey. Bankrate adheres to strict standards , so you can trust that our content is honest and reliable. Our award-winning editors and reporters produce honest and reliable information to assist you in making the right financial decisions. The content we create by our editorial team is objective, factual and is not influenced through our sponsors. We’re transparent regarding how we’re able to bring quality content, competitive rates, and helpful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or through you clicking certain links posted on our site. This compensation could influence the manner, place and in what order items appear within listing categories in the event that they are not permitted by law. We also offer mortgage or home equity products, as well as other home lending products. Other factors, such as our own website rules and whether or not a product is available in the area you reside in or is within your self-selected credit score range can also impact how and where products appear on this site. Although we try to offer a wide range offers, Bankrate does not include details about every credit or financial product or service. If you are considering purchasing a car used, it is critical to determine if there is an open recall on the car you’re considering purchasing and, if so, whether it has been repaired. Recalls on used cars are generally issued because of a problem or potential issue related to safety concerns. Unrepaired recalls could lead to an accident or fire in a vehicle, harming the occupants or causing a jump in . Car sellers must only make repairs on brand new vehicles. In most states, dealers aren’t required to repair vehicles that are used or to inform customers of recalls. They might not be aware that there is recall. You are the one responsible for researching the history of the car. What can you do to determine whether a car that you own is subject to recalls To determine whether a vehicle has been subject to recalls, you can search the . This database is searchable using the car’s VIN, which is located on a car’s windshield lower left, or the make, model and year if you don’t have the VIN. The NHTSA database contains information on non-repaired vehicles that have been affected by recalls the past 15 calendar years. The database contains recalls that were that were issued by major automobile manufacturers, motorcycle manufacturers as well as a few heavy and medium-duty truck manufacturers. Although it’s a useful source but the NHTSA database does not contain information about vehicles that have been repaired as a response to a safety recall. Also, it doesn’t contain any information about international vehicles. In the event that there are no recalls, you can also look through the NHTSA’s monthly investigation reports, which provide details about ongoing defect investigations. Recalls usually begin as an investigation. You may find that the vehicle you wish to purchase is under investigation. If it is, stay on top of the developments to find out if a car recall is or is issued. What should you do if the vehicle you are looking to purchase is a part of recall If the used car is subject to recall do not give up on the possibility of getting it. Repairs shouldn’t cost the seller or buyer anything since the manufacturer is responsible for recall repairs. Take the car’s VIN If you don’t have it. If you find a recall for the vehicle’s model, make and year, you can get the car’s VIN from the seller. You can enter it into the section for recalls on the manufacturer’s website. With the VIN, you can determine whether your car is part of the recall. Some manufacturer websites also note whether the car is repaired. Get the car repaired Manufacturers are required to repair cars that are subject to a safety recall at no cost. Therefore, even though independent dealers aren’t obliged to conduct an open recall under Federal law, this will cost you nothing to repair the car. The laws regarding recalls vary from state to state, so dealerships in your area may be legally required to perform repairs before selling you a car. You can also request the seller to repair the vehicle prior to you buying it. Request receipts from the seller. If the car you are buying has already been repaired and is in need of repairs, ask the seller for documentation and review the repair thoroughly. Only dealers that carry the car brand are authorized to perform recall repairs. Independent mechanics are able to do some recall repairs for owners at their own expense. If a dealer did not complete the repairs, you may require a mechanic to check that the work was carried out properly and thoroughly. When you are looking to purchase a second-hand car, check whether the car was part of any safety recalls and if the required repairs were made. The NHTSA is typically the best place to determine whether a recall has impacted the vehicle you’d like to buy. To safeguard yourself in the event of a recall , consider signing to receive recall alerts sent through the NHTSA. You can choose to receive these alerts via email or use the NHTSA’s SaferCar app on your phone to receive recall notifications. Related Articles: SHARE

Writers: Tara Mello Driving for Dollars Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances with concise, well-studied details that break down complicated subjects into digestible pieces.

Auto loans editor

Other Articles Related to Auto Loans 4 minutes read in Mar 02, 2023. Auto Loans 5 minutes to read Oct 10 2022. Loans 3 minutes read Sep 08 2022 Automobile Loans 3 minutes read on May 12, 2022

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