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How to Lower Your Car Payment

How to Lower Your Car Payment

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 Struggling with a car loan that’s straining your monthly budget? In this episode of The Debt Hotline, Brandon is joined by Nick Koroskowski, President of iLending, one of the nation’s largest auto loan refinancing providers. With over 20 years of experience in finance and auto lending, Nick shares insider strategies for lowering car payments and freeing up cash.

Together, they unpack the essentials of auto loan refinancing—how it works, who qualifies, and what kind of savings are realistic. Nick explains how families are saving an average of $148 per month through refinancing, why rising credit scores open the door to lower interest rates, and how protection products like gap insurance can safeguard household budgets.

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Live listener questions bring real-life scenarios to the table, including:
  • Maria (Texas): Can refinancing an 11% loan cut her payments?
  • Kevin (Florida): Is refinancing possible when upside down by $4,000?
  • Ashley (Ohio): With a $615 monthly payment, can refinancing create breathing room?
  • Bob (Live Q&A): Are auto loans front-loaded like mortgages, and what about fees?
  • James (Colorado): Missed two payments last year—still eligible to refinance?
  • Latoya (California): Managing two car loans totaling $1,200—can they be combined?
  • Robert (Georgia): Does refinancing mean starting over with a new 7-year loan?
Key insights include:
  • How to know if your loan is overpriced and worth refinancing.
  • Why a short-term dip in credit score often leads to long-term gains.
  • How refinancing can help even if you’re upside down on your loan.
  • What documents you’ll need to get started—and how quick the process can be.
  • Why there are no hidden fees when refinancing through transparent lenders.
The bottom line: refinancing isn’t just for people in trouble—it’s for anyone looking to save money, reduce stress, or build flexibility into their budget. Even if your situation feels complicated, it’s free to explore your options.

To submit your own question to The Debt Hotline:
  • Call (801) 613-8181 and leave a voicemail
  • Fill out this form: Debt Hotline Question Submission
  • Email: support@solosuit.com
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