Check your contract for anything special, but I see no reason why they cant.IF you are in DEFAULT, YES, they can repo.
no you were more late then your saying I bet.
Legally, a lender may contract your vehicle for repo at midnight the day youre payment is due. Most wont, but legally they can reposess your vehicle the day after your missed payment
In most cases, you should continue paying your loan payments to your current lender of record until you have been formally notified as to how and when to pay the new lender. If you skip any payments, you run the risk of incurring additional interest and payment penalties. When in doubt, contact your old and new lenders to confirm the payment switchover.
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