The terms of your auto loan agreement will dictate when the finance company has the right to repossess your vehicle. While being a few days late might not always trigger immediate repossession, it’s crucial to review your contract and communicate with your lender. If you believe the lender is acting unfairly or misleading you about their repossession practices, The Kugel Law Firm can advise you on your options and potential legal recourse under laws like GBL §349.