Most states give a 10 day grace period. Check your local/state law online. But just like any other loan, if there is no statement in the loan about when a repossession can take place, it's generally 3 payments in arrears (again, check your state laws).
There is no buyers remorse or cooling off period on the purchase of an automobile. That is nothing more than a myth. You have not signed any papers yet, so you have not bought the car. You may loose the down payment, but I would not think you will have to go through with the purchase. As the dealer if you can back out and see what happens.
They have probably come across that concept before, and the problem is that "any" payment that does not fully cover what is owed doesn't count. Check out the agreement you signed when you bought the car. If you cannot come up with the full amount to save the car, then save your money and let them repossess it.
Depending on the contract and the terms that you agreed to. Talk to your dealer to point it out on your contract that YOU signed. There is NO cooling off period on the purchase of an automobile unless the dealer agrees to it. Legally you bought the car and you own it. If you bought it new, it is now a used car and worth allot less than the day you bought it.
Possibly. It depends on what is written in the loan agreement you signed. Read it. They are not likely to repossess the car if you miss one payment. Miss two and they will be looking for it. How about calling the lender and talking about this face to face? Do not allow your car to be repossesed. You will regret this for at least 7 years.
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