You got a loan for 16000 you still owe 2800I am 2 months behind can they rep?

Have they notified you in writing of possible repo? Check your paperwork, I bet it's in the fine print, chances are you're getting close, 3+ months 90+ days and it gets repo consideration. Your best option is to communicate with your lender and discuss your situation with a payment, and perhaps this vehicle gets you to the job etc. Either way they'll want their $$.