If you're facing problems making car payments, there are many ways to find help. Getting assistance from your lender will help you avoid falling behind on your car loan. Contact them as soon as possible to find out what options you have before you fall behind. These programs offer free money for various bills, including your car payment. In some cases, you can get help with a one-off payment or an emergency fund. But remember to consider your other expenses as well.Refinancing is another way to get help with car payments. If you fall behind on your payments, you may want to refinance the loan. This will allow you to make lower payments. Also, you may be able to extend the payment term, making it easier for you to make payments. If you don't qualify for a deferment, refinancing your car loan may be an option. And if you can't afford the payments, you can always look for private help.If you have poor credit and are unable to make your monthly payments, consider applying for a deferment or forbearance. However, be aware that not everyone qualifies for these options. Your lender will look at your credit score, your assets, and other factors to determine whether or not to extend a forbearance. Remember, this process can take a few weeks or even months, depending on the lender and the circumstances. To get help with car payments, you need to take a few steps before your due date.