Depends on the lender. Legally, one!
60 days
Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.
3 payments
two
A repo is a repo is a repo.
Read your contract. One day. As long as you are in default of the contract, the lender can repo the collateral. That could include no ins. coverage.
Maybe, by Fedral law your car can get repossessed if you are ONE DAY past due on your car payment. I know many repo agents and they have a saying "Support your local repo man-- miss two payments" I wouldn't hold off much longer to pay them. You should call them and try to get a deferment or two.
When you dont pay your payments on something
repo men/women are only regulated by the contracts that they were hired buy, if you miss payments then dont expect to keep your things
NOT unless the LENDER agrees before you do IN WRITING.
Usually, your CR isn't great before you take an "upside down" loan. But, YES, it hurts your CR. A repo ia a repo is a repo on any CR.
You have to get current on your payment, plus the repo fees, plus the repo agency storage fees. And you have to do it before the lienholder gets impatient and auctions off the car - once that's done, you're still responsible for the remaining balance.