how many days late can you be on a car payment before repo

You can generally be between 60 to 90 days late on a car payment before most lenders initiate repossession. However, the exact timing varies by lender and state laws. Some lenders may start the repossession process after just one missed payment, though this is less common and usually depends on the terms of your loan agreement. Usually, repossession occurs after you have missed about two or three payments, which translates to about 60 to 90 days past due. Communication with your lender can often help avoid repossession by discussing options like deferment or loan modification.