Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How long before my vehicle gets repoed? - I currently have an auto loan through Santander Consumer USA and I am late about 14 days on my payment. How long do I have before they will come and repo my vehicle? Also same question for filing bankruptcy. How long in general does it take them to repo a vehicle in the state of Idaho after filing bankruptcy? The bank I have it financed through is out of state as well. Please do not reply with spam either, with offers for loans or anything. -