How i've only made 1 payment in 6 months

Soygen

Far be it from me to tell people how to handle their finances, but this really isn't a "deal". You're still accruing interest and it's just pushing out your payoff date while the car is losing value from when you actually started driving it. If you can't afford to make payments for a few months, you're probably better off waiting on the car and having even more money to put down on it in a few months, instead of doing this.