Do you have to still pay the loan if they repo your car?

In most cases, yes. When you take out a car loan, you agree to repay the loan in full, regardless of whether you continue to own the car. If the lender repossesses your car, they will sell it and use the proceeds to pay off the remaining balance of your loan. If the sale proceeds do not cover the entire amount of the loan, you will still be responsible for the remaining balance.