You either owe it or you don't, there's no statute of limitations. Practically speaking, if you no longer have the car, and the debt is years old, then all the damage to your credit that can be done, has been done, and you can pretty much stop worrying about it.
That would be classified as a written agreement or promissory note in Oklahoma. There the limit at five years from the last acknowledgement of the debt.
Student loans are a Federal guaranteed loan. There is no statute of limitations for them.
5years
A personal loan is typically in writing or secured by a promissory note. In California the limitation would be four years. If it is oral, it is only two years.
It starts when the loan agreement is signed by the Borrower and Lender. At that point the contract is in effect.
In New York State, you have six (6) years from the breach of the contract to file suit.
What is the statute of limitations for an SBA loan in NC
That would depend upon which state you live in. Please restate your question with the name of the state you are referring to.
There is no statute of limitations for a Federally backed student loan.
Auto Loan
Federal student loans do not have a statute of limitations. If it is a personal loan, it may have one.
There is no STATUTE of limitations on any loan. You will always be responsible for paying it back. Statutes of limitations is only for laws.
Auto loan calculators are not reliable. Although they can sometimes predict auto loan payments correctly, they are often inaccurate and can cause issues.