Free - Confidential - Ethical - Informational
Car Payment Stress?
You Have Options.
Explore realistic paths forward. Whether it's refinancing, selling, buying, lease swapping, or credit repair. We are here to help you find a more affordable life.
No judgment, no obligation.
Just guidance.
Why we exist
Car Payment Challenges Are More Common Than You Think.
Many people are facing higher monthly payments, unexpected financial changes, bad credit, or loans that no longer make sense. The good news? Acting early gives you the most options and the best chances.
Simple Process
How it works
Three simple steps to explore your options
Your Possible options
Paths Worth Exploring.
Depending on your situation, one or more of these options may be available to you
Our promise
Trust & Transparency
We built this to genuinely help, not to profit from your stress
Take control
See What Options You May Qualify For.
Answer all questions in this questionnaire. Will take about 60 Seconds
Common questions
Frequently Asked Questions
Will this hurt my credit?
No. Simply filling out our form does not affect your credit score. If you choose to pursue certain options like refinancing, a lender may perform a credit check at that stage, but that's always your choice.
Is this free?
Yes, using this service is completely free. You will never pay us anything. If we connect you with a partner, they may have their own fees, but we'll be transparent about that upfront.
Do I have to refinance?
Not at all. Refinancing is just one option. We'll show you all realistic paths based on your situation, including selling, lease transfers, credit repair guidance, or free resources. You decide what makes sense for you.
What if I'm already behind on payments?
You still have options. Many people in your situation find solutions through negotiating with lenders, selling before repossession, or working with credit counselors. The sooner you explore your options, the more choices you'll have.
© 2025 Car Payment Help. Not a lender. For informational purposes only.
Privacy Policy
Last updated: [12/20/25]1. Who We Are
Car Payment Help (“we,” “us,” or “our”) provides educational information and connects users with third-party providers related to auto loans, credit improvement, and transportation options.
We are not a lender, broker, dealership, or credit repair organization.2. Information We Collect:
When you complete our questionnaire, we may collect:
-Name (if provided)
-Email address
-Phone number (optional)
-ZIP code
-Information about your vehicle, loan or lease
-Credit range (self-reported)
-Payment status and goals
-We do not collect full Social Security numbers, bank logins, or payment information.3. How We Use Your Information:
We use your information to:
-Evaluate which options may be relevant to your situation
-Send educational emails or resources
-Share your information with trusted third-party partners when you request or qualify for their services
-Improve our website and communications4. Sharing Information with Partners:
If your responses indicate that you may benefit from a third-party service (such as refinancing, lease transfer, vehicle sales, or credit education), we may share relevant information with those providers.
We do not sell your information in bulk or share it with unrelated advertisers.
Each partner operates under their own privacy policy and terms.5. Email & SMS Communications:
By submitting your information, you agree that we may contact you via email and, if provided, phone or text message.
You may unsubscribe from emails at any time using the link provided in our messages.6. Cookies & Analytics:
We may use basic analytics tools (such as cookies or pixels) to understand site usage and improve performance. These tools do not identify you personally.
We may uses cookies to refer you to our partners.7. Data Security:
We take reasonable steps to protect your information. However, no method of transmission over the internet is 100% secure.8. Your Rights:
You may request:
-Access to your information
-Correction or deletion of your data
-Removal from future communications
Contact: [[email protected]]9. Changes to This Policy:
We may update this policy occasionally. Updates will be posted on this page with a revised date.
Terms of Service:
Last updated: [12/20/25]
1. Acceptance of Terms:
By using this website or submitting information, you agree to these Terms of Service.
If you do not agree, please do not use this site.2. What This Site Is (and Is Not):
Car Payment Help provides:
-Educational information
-Self-guided questionnaires
-Referrals to third-party service providers
We do not:
-Guarantee approval, savings, or outcomes
-Provide legal, tax, or financial advice
-Act as a lender, creditor, or negotiator
-All decisions remain your responsibility.3. Third-Party Services:
We may connect you with third-party providers.
We are not responsible for:
-Their services or decisions
-Their pricing, approvals, or outcomes
-Any agreements you enter with them
You should review their terms and privacy policies before proceeding.4. No Guarantees:
Results vary based on credit, income, vehicle value, lender policies, and market conditions.
Nothing on this site is a promise or guarantee.5. User Responsibilities
You agree to:
-Provide accurate information
-Use this site for lawful purposes
-Not misuse, scrape, or interfere with site operations6. Limitation of Liability:
To the fullest extent allowed by law, Car Payment Help is not liable for indirect, incidental, or consequential damages arising from your use of this site or third-party services.7. Indemnification:
You agree to hold Car Payment Help harmless from claims arising from your use of the site or violation of these terms.8. Governing Law:
These terms are governed by the laws of the United States and the state in which the site operator resides, without regard to conflict of law principles.9. Contact:
Questions about these terms or privacy practices?
Contact: [[email protected]]