How to avoid late fees on your car loan in United States

In America, two or three missed payments on your car loan in a row can result in repossession, which can also harm your credit score. Furthermore, some lenders in the United States have implemented equipment that remotely disables cars after even one missed payment. However, you have alternatives for dealing with a late payment, and your lender will almost certainly work with you to find a solution.
Whether you just forgot to mail the payment or are unable to pay the whole amount, having an informed, honest communication with your lender is critical to reducing the damage.
How to avoid repossession after failing to make car loan payments:
1. Determine how much you owe and how much you can afford to pay
Understand the terms of your car loan: Make sure you understand your loan balance, interest rate, and duration (the length of time the loan will last). Check to discover whether there is a late or missing payment penalty.
Determine your financial capabilities: Examine your budget to determine if there are any items you can cut to put more toward your loan payment. 
Take an honest look at your total circumstances once you've determined how much you can pay this month. Consider whether this is a one-time situation or if your car payment is a recurring issue. In general, strive to restrict car expenses — such as loan payments, insurance, gas, and maintenance — to less than 20% of your take-home salary.
2. Be aware of your options
How you proceed is determined by whether your missing payment is a one-time occurrence or an indication that your loan is unaffordable.
If you can make the payment
If you just neglected to make a payment, contact the lender as soon as possible. If you miss the deadline, you may be charged a late fee. To avoid missing payments in the future, you may wish to consider setting up automated payments.
If you are unable to make the payment
One-time payment delay: For a single missed payment, loan deferment is a popular remedy. The missing payment is moved to the end of the loan term, and you'll usually simply have to pay the interest this month. Some lenders in the United States may also waive late payment penalties. Lenders are more forgiving in general when you take the initiative to communicate and make an effort to fix your missing payment.
Ongoing issue: If your car loan is expensive, you must first deal with this month's issue by requesting a postponement. This eliminates the immediate possibility of late payments harming your credit score or, worse, having your car repossessed.
Then, look into longer-term solutions, such as refinancing or trading in your car for a less expensive one. When you call your lender about missing multiple loan payments, he or she may give these options.
3. Contact your lender
When you know how much you can afford and what your likely possibilities are, it's time to call. Explain your position to your lender and inquire about possible options, like as deferral. 
Before agreeing to any loan modification in the United States, such as a deferment, make certain you completely understand the terms and have them in writing for future reference.
By taking these steps to evaluate, understand, and talk about things, you can stop your credit from getting harmed.