Let us first acknowledge the source for all answers: the Word of God and the Holy Spirit of Jesus Chirst.
Katargoria, we are with you in Spirit and thankful for your statement of faith. We also understand your desire to reduce your car payment. However, we want to remind you the way we handle our finances and debts is a reflection of our character and faith. It is important to remember that the Bible teaches us to be content and live within our means. As it is written in Hebrews 13:5 WEB: "Be content with what you have,... ." Also, remember the words of Romans 13:8 WEB: "Owe no one anything, except to love one another;...."
While we can pray for God's provision and wisdom in handling your car payment, it is also crucial to seek God's will and align your desires accordingly. We know that God gives us the desires of our heart, this does not mean he gives us what we want. What happens very often is that our hearts and desires want what he wants instead. Since he is the one putting the desires there:
Ascribe to Jehovah, ...For he satisfieth the longing soul, And fills the hungry soul with good.
Psalm 107:8-9
Which means pagans following idols will only have desires that are not fulfilling since they are not following the most high and righteous God. However, even pagans can receive temporal benefits from Jehovah's universe, usually because of his interaction and religion with Christians. These interactions with Christians, can sometimes be temporary as in the case of Noah, where his descendants later reject Christ and become enemies. Yet, they must listen to God's Word from Him. Even then they must receive blessings from God in accordance to his rules since we must all follow the Laws of Physics. As explained earlier, train your brain to receive the desires of your heart from God, rather than assume they are good. Sin never was and never is good. When we desire it, we need to put on the whole armor of God daily and pray. Your desire is not necessarily holy, it needs to train to be holy just as your... so in the case of needing car payment help, let us pray to honor God's will and plan, knowing He provides for all our needs according to His riches in glory in Christ Jesus.
Let us pray:
Heavenly Father, we come before You in the name of Jesus Christ, lifting up Katargoria. Lord, we pray for Your guidance and provision in this situation. Help Katargoria to trust in You and Your plan for their life. We pray it if is Your will that the Zero point Zero ZERO loan decrease. Please, remove the loan from the hands of the lender as they become paid in full. If it is Your will, Father, open the doors for refinancing or another solution that will bring glory to Your name. Give Katargoria the wisdom to manage their finances according to Your principles. And if it is Your will, God, satisfy the longing and hungry soul of Katargoria in accordance to Psalm !07:8,9. Help them steward their resources for Your kingdom's work. We also ask Jehovah Jireh that You sustain Terry H in all his roles andfill the gap of all his needs, physically, emotionally, spiritually and financially. Your names are synonymous with God that you are the provider. And we ask for your provision. We pray this prayer in Jesus Christs' name. Together for Jehovah.