The lender for your car loan can take your car as soon as you “default” or miss a payment on your loan. Most agreements say you “default” as soon as the payment is late. Some loan contracts may give you a period of days to make up your payments before considering you in default.
Once you are in default, the lender may repossess your car at any time and does not have to give you any notice. The lender can come onto your property to take the car from your driveway or an open garage. The lender may also repossess your car from public streets or an apartment building parking lot.
Learn more in this bilingual brochure: