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How to avoid repossession on a late car loan Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators that provide objective and unique content. This allows users to conduct research and compare information for free to help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this website come from companies who pay us. This compensation may impact how and where products appear on this website, for example for instance, the sequence in which they appear in the listing categories, except where prohibited by law. This applies to our loans, mortgages,, and other products for home loans. However, this compensation will affect the information we provide, or the reviews appear on this website. We do not cover the vast array of companies or financial offers that may be open to you.



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4 min read Published April 22 2022
Writer: Kellye Guinan. Written by personal and Business Finance contributor

Kellye Guinan is a freelance editor and writer who has more than 5 years experience working in the field of personal financial matters. She also works full-time as a librarian at the local library, helping the community gain access to information on financial literacy, among other topics.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers feel confident to take control of their finances with precise, well-researched and well-written facts that break down complicated topics into bite-sized pieces.









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The default can occur after one missed payment, however generally the auto loans will not be canceled until you cease to pay for several months -- up to 120 days, generally. Your lender is likely to send the notice of default prior to taking possession of your vehicle. In certain states, you will have the option of repaying what you owe, although it's not always the case. Between default and repossession There are a number of strategies to stop your car to be taken. 6 ways to avoid repossession If you're currently in default, or at risk of it repossession is a possible possibility. To avoid it, you'll have to stay in contact with your lender and restructure your finances. 1. Maintain contact with your lender Keep your lender current on your current situation, your ability to make payments and general financial health. Keep a record of every conversation, including the name and the title of every person you talk to and then send all letters via certified mail so that you can provide proof that you have done your part. The lenders would prefer that their customers pay back their car loans rather than repossess their cars. Be prepared to provide evidence of your financial condition. If anything should change, let your lender know immediately. It pays to be polite but and firm when discussing the possibility of repossession. You should avoid repossession at any cost and that's why you should keep calling the management line until you get someone to assist you in obtaining your loan. 2. Request for a loan modification. A repossession is a serious danger for the lender as well. The lender will have to charge off your loan and then hire a person to seize the car, store it somewhere and then sell it at auction. Due to this it is possible to ask the lender to make a lower payment. Your lender is likely to be able to defer some payments or modify the term to help you make payments. Let your lender know the specifics of your situation , and then discuss the date and time you'll be able to repay. The lenders are not legally obligation to modify your loan but they could help you and your lender avoid a lot of the hassle that repossession causes. 3. Make sure you are current on your loan If you can, make up your payments and charges and ask the lender to restore the loan. This will end the default process and is the most efficient method to . It's okay that this option isn't accessible to you. For most people facing repossession, obtaining a current payment on the loan isn't possible. There are a few ways to get the money -- such as however, it could put a different type of pressure on your lifestyle. 4. Sell the car If an auto loan is too expensive every month, you could sell your car privately . As long as you're not in a position to be in a position to be upside-down on your loan (when you have more debt than you're worth -- you could move to a cheaper car. Ensure that selling your car will pay for the portion of the loan and any charges you have to pay. If you can't, it's best to negotiate with your lender and determine if they could permit you to write off fees. The most important thing to remember is that selling your car might not leave you with enough of an amount to pay for another vehicle. When you're between repossession and surrendering the car or selling, you will be in a position of no transportation, regardless of. Selling your car helps keep your credit in good standing, but it may cause you to be in a position like repossession. 5. Refinance your loan The extension of your loan duration or decreasing your interest rate can allow your auto loan less expensive. However, if you've been late on multiple payments and are currently in default you probably do not have the credit . However, that does not mean that you should not consider it. Credit unions and online lenders, as well as smaller local banks have more flexible requirements. Keep in mind that applying for financing can also impact your credit score, so be sure that you apply for several loans simultaneously to prevent multiple impacts. It is possible that you will not be able lower your interest rate but extending your loan term is a possibility. This can allow your monthly installments to be much more affordable. However, it means you'll be paying more interest in the long run. It could be worth the extra cost to prevent repossession, but it should be done after you have exhausted other alternatives. 6. Surrender your car You have the option to voluntarily surrender your vehicle to your lender when you're unable to pay. You won't have access to it and will need to consider alternate options to move around however it will not be considered a repossession, but your credit score may still decrease. When you do the latter, your lender will go through the same process as repossession. They will then take possession of and auction off your car. If the sale price covers the amount you owe, then you're in good shape. If not, you'll be held responsible for the rest of the loan amount as well as any additional charges you've accrued. What happens when you default on your auto repossession is carried out Once you're in default, your lender is entitled to seize your car. Unless your state law says otherwise, repossession does not require notice or warning. This means you could lose your vehicle at any time once you've defaulted. If your car is repossessable, your lender could provide you with information for the auction where your car will be sold. If not, you might be able to reinstate your loan by being able to catch over the outstanding amount and any fees for repossession. As with all aspects of the repossession process, the information the lender must provide you depends on your state. The next step Repossession will stay in your credit file for a long time which makes it difficult to obtain a new auto loan. Focus on keeping up with every step and contacting your lender and doing everything you can to prevent repossession. While not all options will be available however, these are options worth considering in the event of losing your car. Learn more


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Written by a Personal and Business finance contributor

Kellye Guinan is a freelance editor and writer with over five years of experience in personal finance. She also works full-time as a librarian at the local library, helping people in her community get information about financial literacy, among other subjects.



Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing concise, well-researched and well-informed data that breaks complex subjects into digestible pieces.






Auto loans editor




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