“You’ll have to read the contract. Grace periods aren’t determined by the state government; they’re chosen by the lender.
Typically, you’ll have between five and 15 days for a grace period without a penalty, and up to 60 days before they decide to repo your car.
For the sake of your relationship with your lender, you should call and let them know you might be late on your payments until you find a new job. They will appreciate the call and likely be willing to work with you if you’ve been laid off because of COVID-19.”