# Kansas — 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 Kansas, what the borrower can do to get the vehicle back is A pre-repossession right to cure by paying only the arrears: the creditor may neither accelerate the unpaid balance nor take possession of the collateral until 20 days after a notice of the consumer's right to cure is given, and within those 20 days the consumer may cure by tendering all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees; how the statute states the right is 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 late fees; section is 16a-5-111, recorded from its source on 2026-09-01.

- **State:** Kansas _(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 creditor may neither accelerate the unpaid balance nor take possession of the collateral until 20 days after a notice of the consumer's right to cure is given, and within those 20 days the consumer may cure by tendering all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees. _(our reading, not quoted from the source)_
- **How the statute states the right:** 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 late fees _(verified: appears in the quote below)_
- **Section:** 16a-5-111 _(verified: appears in its own passage below)_

## What the source says

> With respect to a consumer credit transaction payable in installments, after a default consisting only of the consumer's failure to make a required payment, a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, 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 late fees. Cure shall restore the consumer to the consumer's 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

> a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, 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 late fees.

### Section

> 16a-5-111. (UCCC) Cure of default.

## Source

- https://www.ksrevisor.gov/statutes/chapters/ch16a/016a_005_0111.html

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/).