With today's manufacturer special financing incentives it is very possible to lower your current payment. Do you have a car or truck that you are paying 4, 5, 6, or even 7% interest on? With today's current incentives you could be paying as low as 0% APR on that same vehicle, but instead of your old car, you'll be driving a brand new model!

By acting now while interest rates are low, financing your auto loan at a lower interest rate will reduce your monthly payment! Even 1 or 2 percentage points can dramatically reduce your interest charges and lower your monthly payment.

Leasing a vehicle is another alternative. Traditionally lease payments are much lower than purchasing a car or truck through financing. Leases are often less expensive because maintenance costs are next to nothing. Besides, leases are typically easier to obtain compared to the typical auto loan.