Answer:
If you mean how late do you have to be to get repossessed:
Usually 3 months if you are financed through a bank or credit union and 1 week
if you are financed through a buy-here pay-here.
The banks prefer their money. They don't want to deal with reselling a car. The buy-her pay-here's get to keep your money that you already paid, then turn around and resell your car for almost what you paid. They can do this as many time as they want, as long as people get behind. Anyone who has a car loan
will fall behind at least one time in their 3-to-5 year contract.