Even though some governments have begun relaxing restrictions in an attempt to restart their economies, it is already too late for a great number of people who were forced to either take pay cuts, or stop working altogether during the ongoing viral pandemic.

If that’s you right now, you might find yourself unable to make your car payments, which will inevitably add more stress to your day to day life.

However, there are solutions to consider, where you not only get to keep your car, but you can stop making payments altogether for a period of time, reports CNN.

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Right now, there are multiple auto finance companies, including some run by the carmakers themselves, that are offering financial assistance to customers in need.

“It does feel like there’s a lot of help out there if you choose to accept it or try to look into it,” said Edmunds.com analyst Jessica Caldwell.

Some carmakers, such as VW and Hyundai, are currently promoting payment deferral programs, helping new car buyers put off making payments for the first few months, while current owners who are unemployed can ask to skip payments for up to three months.

“This is something that we would typically do anyway if a customer needed it,” said VW of America sales and marketing exec, Duncan Movassaghi. “But obviously what we’ve seen in the last six weeks to eight is a real spike in terms of customers needing help.”

Volkswagen Credit, which gets about 4,000 calls per day from its 700,000 customers, peaked at about 13,000 per day during this period, before settling down at about 6,000 per day, added Movassaghi. VW’s auto loan arm has now processed more than 60,000 loan deferrals and lease extensions.

In order to benefit from these extensions, one must provide the same paperwork you usually use in order to get your unemployment insurance payments, such as a dismissal notice from your employer. It’s worth noting that even though you won’t have to make a payment for 90 days, all of the payments must be made eventually, as interest will accrue, the report from CNN says.

“It’s not as if they’re giving you free money,” added Caldwell. “They’re just being understanding, more so, of people’s situations.”

So if you’re able to, you might just want to pay the interest on your loans, while the payments themselves are put off – this will at least help keep interest from building up during the deferral period, suggests Consumer Reports’ advocacy division exec Chuck Bell.