# Minnesota — 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 Minnesota, what the borrower can do to get the vehicle back is The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: to get the vehicle back a person must tender fulfillment of all obligations secured by the collateral, plus the secured party's reasonable expenses and attorney fees; how the statute states the right is To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; section is 336.9-623, recorded from its source on 2026-09-01.

- **State:** Minnesota _(our reading, not quoted from the source)_
- **What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: to get the vehicle back a person must tender fulfillment of all obligations secured by the collateral, plus the secured party's reasonable expenses and attorney fees. _(our reading, not quoted from the source)_
- **How the statute states the right:** To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral _(verified: appears in the quote below)_
- **Section:** 336.9-623 _(verified: appears in its own passage below)_

## What the source says

> (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and

## 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

> 336.9-623 RIGHT TO REDEEM COLLATERAL. (a) Persons that may redeem. A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and (2) the reasonable expenses and attorneys fees described in section 336.9-615 (a)(1).

### Section

> 336.9-623 RIGHT TO REDEEM COLLATERAL.

## Source

- https://www.revisor.mn.gov/statutes/cite/336.9-623

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/).