How far behind do you have to be before your car can repossessed?

It depends on the terms of your loan agreement. Typically, you can expect your car to be repossessed if you are more than 2-3 months behind on your payments. However, some lenders may repossess your car even if you are only a few days late. If you are concerned about your car being repossessed, it is best to contact your lender and discuss your options.