Answer
There is no legal and honest way other than to pay down the debt. if you need to trade cars, you might be stuck.a car loan longer than 24 months is not smart for just the issue that you bring up.if you have a big loan, get a second job and apply all of that to the loan until you are back topside. then keep saving until you can buy a new vehicle with no more than a 24 month loan.hard work. hell ya. doable. hell ya.