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Paying off loan after maturity date

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Hi all. I have an auto loan with a maturity date at the end of November. After my last payment in November I will have a balance of roughly $450 because of 2 deferred payments and a few late fees. (I swear I am trying to get my shiatsu together now!) I am having trouble coming up with the $450 before December.

My question is, will most companies work with you to pay off the balance after the maturity date? Is this going to end up being a negative on my report? This loan is with Americredit. Does anyone have experience with them on something like this?

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