At what point can a finance company repossess a car?

You are in default when the payment is one day late arriving at the lender's office. They can take the car on that day. Most wait a while but they don't have to..

Any time after they have sent you a notice that you are behind on payments they can send the repo man. It is better for you to turn the car in rather than waiting for the repo man as the cost of the repo man will be added to your bill and you will wind up further behind. Sadly, it is time to seriously downgrade your ride.

Whenever they want to really. Depends how far behind you are and depends on the banks policy. Banks will repo in a month to six months after falling behind.

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