To lower your monthly car finance payments, there are a few strategies you can consider. Firstly, you can opt for a longer car loan term, spreading out the payments over a greater number of months. However, keep in mind that this may result in paying more in interest over the long run. Secondly, you can increase your initial deposit or trade-in value, reducing the loan amount and subsequently lowering the monthly instalments. Finally, you can shop around and compare different lenders to find the most competitive interest rates and finance deals available, which can help decrease your monthly payment amount.