Is It Possible to negotiate My Car Payments?

Goddess Eostre

I have always paid all my payments on time since Feb. of 08. For the next two months, I am unable to pay the full monthly payments. My hours at work have been cut in half. I have a 08 Prius, package 1.































Is it possible to negotiate with Toyota Financial?















-- Can I make a partial payment and insurance till I can find a second job to pay the full payments?















-- Can I negotiate my interest rate (rather high) for a couple of months so I can pay the reduced monthly payments, which will resume to the original amount in two months.































PLEASE RESPOND IF YOU ARE KNOWLEDGEABLE ABOUT MY QUESTION. I AM IN DIRE STRAIGHT, AND NEED EXPERT OPINIONS.































Thanks for understanding.































I really appreciate your knowledgeable responses.































nor h,































Thank you for your response. I am not ashamed of owning an 08 Prius. I am just unable to pay the full monthly payments for the next two months, and wondering whether Toyota Financial will work on that with me.

nore h

Why buy a new car when you can buy a used one? I bought my '99 Ford Explorer from Ebay from a respectable seller with a 99% feedback. It had 108,000 miles on it when I got it. I paid for the vehicle in full (a little over $4000, including the cost of shipping ) I've had it for two years now and it still drives fine.































The truth is that no one cares what you drive. They only care about what they themselves drive and what other people think about what they drive. So you shouldn't be ashamed of driving a used car.. I feel no shame and I don't have to worry about making payments because I have none!































I believe that if you can't pay for something in full, don't buy it at all.

reis_pedro82

have you tried calling toyota financial? sometimes they will work with you. try calling them. see what they have to say.















as far as your interest goes, i believe the only way to get a lower rate is to re-finance your car. usually this means extending the term. hopefully you didn't sign for a 72 month or longer term.















it wouldn't hurt to ask toyota financial this either. but usually people re-finance their cars with their banks or credit unions.

Jaime C

Yes it's possible, You need call the Toyota finances becouse all the companies have diferents politics, buy you need to be carefull becouse they know where you live and work they will go at night to take it and you will lose every thing.































Good Luck