If you stop making payments, someone will come get the car. Simple. If you take it back to the lot, they will sell it again. And sell you another one when you get another down payment. If the vehicle is recovered by the lender it will be sold at public auction for as close to the fair market value as possible. The borrower will be responsible for any deficit between the sale price of the vehicle and the loan balance plus applicable repossession fees, interest and other costs. If the borrower does not reach an agreement with the lender for repayment of any outstanding debt, the lender may take whatever steps necessary tht are allowed under the laws of the borrower's state to recover monies owed, including a lawsuit. The repossession action will appear as a negative entry on the borrower's credit report.