If you are 3 months behind but making payments on your vehicle can they still repo your car in Illinois?

Yes, in Illinois, a lender can repossess your vehicle if you are three months behind on payments, even if you are making partial payments. The lender is not obligated to wait for you to catch up on payments before initiating repossession. However, they must follow the proper legal procedures to do so, including providing you with a notice, if required. It's advisable to communicate with your lender to discuss your situation and explore potential solutions.