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Yes or the middle of the day or while you are in the store. CONTACT your lender and try to make some type of arrangements to pay. Some lenders will defer a payment to the end of the contract if you can convince them that you will be paying shortly. If they have repoed it its too late to roll payments.Let me see if I get your thinking.... he hasn't made any payments in 45 days so they repo his car.Now the guy not only has to pay the back payments but also he pays your fees for towing,storing the vehicle and lets not forget about my personal favorite the storing of personal property which oddly enough is still in the car except for the stuff that the driver helps himself too.So we are looking at another what about another$600-$700 depending on how long the car sits.The lender ain't likely to roll payments at this point besides you boys want certified checks.

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19y ago
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Q: Can the repo man take your car away in the middle of the night if the loan is 45 days delinquent?
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