You are eligible for a rate reduction under the SCRA if:
You signed the contract for the vehicle before you were called to, inducted, or enlisted in active United States military service,
I don't find anything that indicates a payment has to be made in order to qualify for 6% rate reduction.
In the event of REPOSSESSION the reg says The SCRA gives certain protections against repossessions for installment contracts (including automobile leases). If the contract was entered into before going on active duty and at least one payment was made before that time, the creditor cannot repossess the property, while the member is on active duty, nor can they terminate the contract for breach, without a court order.
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