Useually no, However Unless you have Equity there really isn't much you can do about it. Check the bluebook value also if your car was finaced using rule of 72 of some other lender baised method there may be no benifit. SOmetimes it costs as much to make the payment as it does to pay it off, alsas no savings. Call the lender you are currently using and ask for a payoff. Then check the Blue book value. If you are not upside down ie negitive equity, you may be able to do something.