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Is there any programs for car financing or negotiation?

Thanks for the question. No, unfortunately a car loan is a debt that is secured by the car meaning that if you are unable to pay what you owe on your car loan or lease, your creditor has the right to just take back the car.

In that case like with most secured debts, there is no negotiation. Best advice is to call the company you owe for the car and see what they can do for you if you are already late on your payments.