Can a lienholder repossess a car if you have a clean title but still owe them money?

It will depend on the lienholder. Most Credit Unions have a Cross Collateralization clause in their in-house contracts. This means that the vehicle you purchase will also be used as collateral for any and all other loans you may have with them now or in the future. SIMPLE INTEREST CONTRACTS FROM DEALERS DO NOT HAVE THIS CLAUSE. Make sure to read your contract carefully if you are getting a bank draft directly from a bank or credit union.

If the lienholder does not pick up the car and there is still money owed, they can hold the title indefinetely or until a settlement is made.