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It depends on which state you are in. In Kansas and a few others that I have some familiarity with, you have to have been 45 days late at some time. If you cured the default at that time and miss a later payment, even by a day, they CAN repo (probably none will, but they can). Your car can also be repo'd when your payments are current if you violate any other provisions of the security agreement, like letting the insurance lapse, using the vehicle for hire, or other things that put the lender at risk.

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Q: How many payments do you have to be behind for the bank to repo your car?
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