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A contract for a car loan does not expire. A borrower must pay the balance on the loan in full, according to the terms, in order to take ownership of a car. A lender can repossess a car at any time due to a default on the loan, even if there is only one payment left.

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Q: Can a bank repo a car after the contract has expired and you still owe money on the loan?
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If you owe money on a car your insurance has expired and you damaged your car you are going to call the bank for a voluntary repossession can they sue for damage?

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