The fear of waking up to an empty driveway is real. Knowing the timeline can give you peace of mind—or a wake-up call.
The Legal Right to Repo
In many states (including Idaho), title lenders are secured creditors. The moment you "default" on the loan contract, they have the legal right to seize the collateral. The contract defines "default," but it is usually defined as missing a single payment by one day.
Strictly speaking, they could take the car the next day. However, practically speaking, repossession costs them money.
The Realistic Timeline
- 1-10 Days Late: Accessing late fees and blowing up your phone with collection calls.
- 10-30 Days Late: A "Notice of Right to Cure" may be sent (depending on state laws), giving you a final chance to pay.
- 30+ Days Late: The order goes to a repo agent.
Warning: Repo agents can take your car from your driveway, your work parking lot, or the grocery store. They cannot, however, "breach the peace" (e.g., break into a locked garage or physically fight you).
Sarah Jenkins
Financial EditorSarah is a financial expert with over 10 years of experience in consumer lending. She is dedicated to transparency in the lending market.
