“Probably not. When you sign on the dotted line, you’ve agreed to all the terms of the loan, including the interest rate, payment date, and the length of the loan. However, you may be able to call the lender to make adjustments to the terms of the loan. In rare instances, they may allow a few changes (such as to the payment date).
If you really can’t live with the terms of the loan, your best plan of action is to refinance the loan. Keep in mind that interest rates can fluctuate. So if the interest rate goes up, is it worth it? Only you can answer that question, but it’s something to keep in mind if you want to refinance to change the terms of the loan. “