How can I lower my payments on my car tilte loan every month?

My current balance on my car title loan is $ 3100.00 and my monthly payments or $ 416.00 every month .
what is the best way i can lower the monthly payments every month for instance what is the best amount I should put down to lower it every month under $ 200.00 a month

Any help or advice ? I would very appreciate it alot guys


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