There are a few exceptions to this general rule. For example, if the property is considered to be a "fixture" of the vehicle, the lienholder may be able to take it without the borrower's permission. A fixture is an item that is permanently attached to the vehicle, such as a stereo system or a trailer hitch.
Another exception is if the lienholder has a court order that allows them to take the property. This could happen if the borrower has abandoned the vehicle or if the lienholder has obtained a judgment against the borrower.
If you are concerned about a lienholder taking property out of your vehicle, you should speak to an attorney. An attorney can help you determine if the lienholder has the right to take your property and can represent you if you need to sue the lienholder.