How many days late can you be before your car can be repossessed?

It depends on where you are. Some states require that a default notice must be sent, and the borrower must be given at least 11 days to "make good' on the payment. Others don't require any notice at all, and theoretically a lienholder could repossess the vehicle the day after the payment was due.

No lender actually would do such a thing; repossession is a pain in the rear for them, too. But you can't count on 60 days, or 90 days, or whatever. The best thing to do if you know you're late on your payments is to talk to the lender; they're more likely to "cut you some slack" if you're communicating with them than if you appear to just be ignoring the fact that you're behind on your payments.

It's also a lot easier to negotiate with the bank before they've gone to the hassle of actually sending someone out to take the car back than it is afterward. By the time the car is repossessed, the lender has more or less given up on the hope of getting paid any other way.