# Maine — 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 Maine, 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 delinquency or deferral charges; section is 5-111, verified against its source on 2026-09-01.

- **State:** Maine _(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, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until 14 days after a notice of the consumer's right to cure (Section 5-110) is given. 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. No further right to cure on the same obligation within 12 months of an earlier cure notice. _(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 delinquency or deferral charges _(verified: appears in the quote below)_
- **Section:** 5-111 _(verified: appears in its own passage below)_

## What the source says

> Until expiration of the minimum applicable period 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 delinquency or deferral charges. Cure restores 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

> Until expiration of the minimum applicable period 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 delinquency or deferral charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.

### Section

> §5-111. Cure of default

## Source

- https://legislature.maine.gov/statutes/9-A/title9-Asec5-111.html
- https://legislature.maine.gov/statutes/9-A/title9-Asec5-110.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/).