Quick Tip: How to catch up on car payments amid high prices, interest rates

CHICAGO (WLS) -- Here's a quick tip on delinquent car payments.

High prices and high interest rates have more Americans falling behind.

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A new LendingTree report shows delinquencies are at a three-year high with some states seeing nearly one in seven borrowers behind.

To stay on track, experts say talk to lenders: Hardship programs like deferments or additional payment plans may be available if there is a short-term financial pinch.

Consider refinancing if credit's improved or rates have dropped.

Even a slightly lower rate can make a real difference on a bill.

But, be sure that you understand the fees and other costs involved before you take the re-fi plunge.