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How can I find out if my car is on a repo list?
I haven’t been great about making my car payments on time, and I’m worried that my car could get repossessed as a result. How can I find out if my car is on a repo list?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In most cases, the list of cars which a given lender intends to repossess is not released to the public.
However, you can find out if your car is up for repossession by checking in with your specific lender. Usually, lenders extend a grace period between 60 and 90 days following a missed payment before repossessing your vehicle—but even a single missed payment could mean trouble.
Missing a payment on your
car loan
puts the loan in default: In most states, lenders are legally allowed to repossess a vehicle once this happens—and can come to your property at any time, with or without notice, to do so. The good news: Your lender will have detailed information about your loan’s status, including whether the car is listed for repossession—so calling is your best way of finding out.
If you can no longer afford the payments on your car, it would benefit you to surrender the vehicle willingly in order to take less of a hit to your credit score.
Depending on the terms of your loan, you may also be able to work out a financial plan with your lender that allows you to keep the car and catch up on payments over time—so it’s worth giving them a call either way.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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