Which bank is more foregiving to refinance an auto loan to lower payments to someone with not so goo

Not Many...if any. Typically, the lower the credit score, the higher the interest rate, therefore the higher, the payment. My advice is to try a credit union. They usually have some of the lowest rates available as well as some of the lowest underwriting standards (because of membership requirements), but you may have to open a checking account to become a member. They can typically finance anyone, even with horrible credit, it's an old car salesman trick. If they can't get you financed in-house, they will send you to a credit union to try.

Which bank is more foregiving to refinance an auto loan to lower payments to someone with not so good credit?

Try Wells Fargo, H.S.B.C., Capital-One and Citifinancial Auto they are my 4-largest lenders and all are good banks to work with as long as you pay as agreed.

You can apply on line to all 4.

Which bank is more foregiving to refinance an auto loan to lower payments to someone with not so good credit?

I'd would also check with the credit union's rates.

Banks aren't the only ones in town.

Just know and understand everything that goes into their policy when you are refinanced. No Matter which institution you choose to go with.