What is a good excuse for deferring a car note payment for two months?

Answer 1

These other people are being kind of hard on people who find themselves in this predicament. There are several good reasons; loss of job, short term disability of self or other bread winner in the family that limits income, family sickness with additional medical and hospital bills, death of a family member within the household and etc. As someone else said, lenders don't like to defer payments, but they will. Someone else said that it effects your credit. Simply deferring a payment does "not" effect your credit, but it could make a difference with getting a loan with the same institution at a later date. However, if there is a circumstance such as the above, most times lenders will take catastrophic circumstances under consideration when issuing a new loan especially if they can tell that the rest of the credit history is good.

Answer 2

Take your choice:

"I don't want to pay you."
"I can't pay you."

(Edit) The way that you've worded your question implies that you don't have a good reason that you would provide. Rather, that you are looking for an excuse for why not to pay, or a fictitious explanation. I suspect that is why you are getting the negative replies that you are. If you seriously are unable to pay, tell the truth rather than trying to come up with (fabricate) an excuse.

Answer 3

There probably aren't any. The lenders have heard everything from "death in the family", "unemployed", "major heart attack" to "bankrupt". They usually don't like to defer payments, but sometimes, if you're really, really lucky, they may allow it, if you can "double-up" and catch up in the next payment. Good luck!

Answer 4

There is none. When you got the loan, was it "Pay us back this amount, principal and interest, until the loan is paid off, unless you don't feel like it, or have some financial setback, then skip a couple of months."? If not, do what you promised to do.

Answer 5

There is none. The lender wants their money not excuses. Next month you may find yourself walking. Also your credit score will be going down, and it will cost you more for a loan if you can get it.

Just get the money to them soon, and don't be late again.

Answer 6

For Finance and credit solutions I recommend this website where you can find all the solutions. http://FINANCEANDLOANS.INFO/index.html?src=5YAPHb6aKJuot1

RE :What is a good excuse for deferring a car note payment for two months?
Follow 7 answers

Answer 7

There is no good excuse. You agreed to pay, so grow up and pay

Answer 8

You died.