Nevada Vehicle Repossession Law: Rights, Process, and Protections

Nevada law (NRS 104.9601 et seq.) governs vehicle repossession with specific consumer protections.

Key Steps

1. Default: Borrower misses payments per loan contract.
2. Right to Cure Notice: Lender must send written notice giving at least 10 days to pay past-due amount + fees.
3. Repossession: If uncured, lender/licensed agent may retake vehicle without breach of peace (no force, threats, locked garage entry).
4. Post-Repo Notice (48 hrs): Lender must mail notice of repossession, vehicle location, and redemption amount.
5. Redemption: Borrower can reclaim by paying full balance + repo fees before sale.
6. Sale: Typically after 30 days; public or private sale. Proceeds applied to debt.
7. Deficiency: Borrower liable for shortfall; lender may sue.

Consumer Tips

• Read your contract—cure periods may be longer.
• Document any breach of peace (photos, witnesses).
• Contact Nevada Legal Services or a consumer attorney if rights violated.