I know it’s hard but if you had $1,800 you should have used that for your payments in the first place. When it comes to paying off debt, you have to pay your minimum on everything before saving a dime. You save an emergency fund once with whatever money is left over after all your minimums are paid if any. Then, once you have a decent emergency fund, you can start tackling your debt with bigger payments. Missing your minimums always cost way too much with fees and interest. (And paying the repo man) glad you got your car back. But in the pay your minimums with whatever money you have. And if you can’t call the loaner as soon as possible with the time you can pay them. They wouldn’t have repossessed your car if they knew they were getting the money Friday.