# Colorado — After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state

For Colorado, how the statute states the right is all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; section is 5-5-111, verified against its source on 2026-09-01.

- **State:** Colorado _(our reading, not quoted from the source)_
- **What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin and Kansas. A creditor may neither accelerate the unpaid balance nor take possession of the collateral until twenty days after giving the consumer a notice of right to cure (Section 5-5-110), and until that period expires the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred. Limited to once every 12 months on the same obligation (defaults on a mobile home have a separate, third-default limit). _(our reading, not quoted from the source)_
- **How the statute states the right:** all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges _(verified: appears in the quote below)_
- **Section:** 5-5-111 _(verified: appears in its own passage below)_

## What the source says

> Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.

## Where each value comes from

This source states these in separate places, so each value is shown with the passage that states it.

### What the borrower can do to get the vehicle back

> Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.

### Section

> Colorado Revised Statutes Title 5. Consumer Credit Code § 5-5-111. Cure of default

## Source

- https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-111/
- https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-110/

Last verified: 2026-09-01. Review by: 2027-09-01.
Part of [After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state](https://referencesource.org/vehicle-repossession-cure-rights-by-state/).