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How long until your car is repossessed?
"I don't have any money for my car loan. I stopped paying last month, and I know a repossession is looming. However, I want to use the car to find a new job until it gets repossessed.
How much time do I have?"
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“That’s unfortunate that you can’t make your car loan payments anymore, but at least you’re trying to do something fruitful while you still have the vehicle.
In general, you have between 30 and 90 days before the repossession process starts. After this time, repo men will start trying to find your vehicle.
The honest thing to do is to tell the lender of your ordeal to see if they’re willing to work with you. If they aren’t, remember that a forced repo and a voluntary repo do the same damage to your credit. You can certainly use the car to go job-hunting, but don’t wait so long that you get into legal trouble on top of financial trouble.”
View full answer
- Gregory R.
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