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Anywhere between 30 days and 90 days. Usually the latter in most cases.

If you are falling behind, talk to the finance company and explain the situation. If someone is upfront with them and discusses this early on, then some different arrangements might be able to be made.

To the finance company, just stopping the payments without any explanation, means to them that you no longer want the car, so they will take it back, and you will lose all the money you have paid up to that point.

Also, it's not "your" vehicle - you don't own it until the Lien is removed from the title. To own a car means you possess the title. The finance company owns the car until it is paid off.

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Q: How far past due can your finance company reposses my vehicle?
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