lowering monthly payments

[bina12834]

any way to do this?

[marlin29311]

in regards to....car...home?? etc?

Are you leasing, financing, from Nissan, from bank, etc?

Lol, need a little more info...generally there are some ways to do it, but I can't help if you don't give the info

[Infantry1327]

Also need to know if you are buying, then what was your down payment, how much did you pay for the car, and how long ago did you buy. If you have had it for only a little while and havent payed much of it off, then you are probably upside down in the loan because of depreciation. But if your credit score has gone up alot since you bought it, you may be able to re finance and get a lower interest rate.

[bina12834]

i bought it in march....$27,xxx pre down payment.....$3000 down payment....financing through Nissan.....$444 monthly payments

[rjdmmfl1]

any way to do this?

you could always refinance! Try a credit union, they tend to have better financing options for cars! Say you initially signed a 72 month loan @ 7% APR... after the first year, you could refinance with another lender for a lower APR (say 5%), extend it for another 72 months, and you'll drop your payments by about 100 or month, give or take a bit!

Or if you have some money saved, add that top the payoff, thhen finance the rest as I mentioned earlier, this will drop your monthly payment even more.

YES, you will pay more in the long run on interest, but you'll have a lower monthly car note!

[dangeris]

Payments are over rated. That's why I paid mine in full when I bought her!

[Infantry1327]

I agree with rob. Check how much the buy out amount is, then see what kind of interest rate you could by financing that amount. You probably owe like 23 on it. You should probably wait till around Feb and get as small of a loan as you can. If you got a $20,000 loan for 72 months at say 5% interest. You payment should be about $310 a month