If I am few day late on my car payment can my car be repossesed?

Asked over 3 years ago - Bixby, OK

I have been consecutivly late on my car payment however I have never been more that 8 days late and it ussually only 2-4 days late. I always notify the loan company and they always just ok thats fine. Can they sneakily repo my car without prior notice. I have read lots of bad things about the company on the internet and now I am worried about the security of my car loan.

Additional information

The lender is Westlake financial services and they seem to be incredibily shady in their dealing I just do not trust them at all. BUt I am stuck for another 2 years...

Attorney answers (3)

  1. Gene Scott Ray

    Contributor Level 9

    Answered . Since you are in Oklahoma, I thought you might like to hear from an Oklahoma attorney. The advice you have been given is accurate for Oklahoma. The best answer is: It depends on what your loan agreement says. Most say that if you don't pay on time, they can declare the entire balance due and foreclose. The more likely they are to recover all their money, the more likely they are to repossess the car. Most loans also have provisions that say that their waiving your breach of contract (by not paying on time) does not mean they are prevented from enforcing the same provision at another time. The bottom line: try to pay on time.

    This information does not form an attorney-client relationship and is provided for general informational purposes... more
  2. Bryant Keith Martin

    Contributor Level 18

    Answered . Please do not use names of parties in your questions, particularly if you make derogatory remarks about them. For one thing it makes it hard for us lawyers to give advice, since they might use it against you. The other reason is that you could get yourself sued for libel. These comments are not privileged and are available to anyone who is interested.
    FEEDBACK: Both AVVO and other readers are interested in your feedback on the quality of the answers. Plz check the “thumbs up” symbol if you find an answer helpful or the “thumbs down” symbol if not.
    DISCLAIMER–This answer is for informational purposes only under the AVVO system, its terms and conditions. It is not intended as specific legal advice regarding your question. The answer could be different if all the facts were known. This answer does not establish an attorney client relationship. I am admitted only in California.
    (Bryant) Keith Martin

  3. Dorothy G Bunce


    Contributor Level 20

    Answered . Most lenders will repo anytime after 30 days. But the right to repo is in the contract, and it depends on what your contract says. So if you can find the darned thing, take it out & read it!

    BTW, being late, even by a few days, on your car loan is very bad on your credit! It will make it just that much harder to get another car loan in the future. Try making some lifestyle changes that can free up some cash for you.

    Sounds too hard? I have actually published a legal guide on this topic. I have linked it below.

    Hope this perspective helps!

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