I am behind in my payments.
How long does it take before toyota services reposess your car?
Almost every situation is different. The bottom line is that if you are more than one payment past due you need to be concerned about repossession.
My advice would be for you to call Toyota Financial Services and try to work out a suitable payment solution that will get you current. If you can’t do that, be honest with them, and make arrangements to give the car back so you don’t walk out one morning and it isn’t there.
Just be aware, if you give the car back or they take it, the car will be sold at auction and you will be sent a nice big bill to pay for the difference in the loan amount and the auction sales price.
Oh yes, take all your personal stuff out of the car now. At least the stuff you would miss if the car was snatched back by them.