# New York — 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 New York, what the borrower can do to get the vehicle back is The baseline right to redeem under the UCC. New York's motor vehicle instalment statute routes repossession through article nine of the Uniform Commercial Code and requires the holder, within seventy-two hours of repossession or surrender, to deliver or mail the buyer a written notice setting out the buyer's right to redeem the vehicle and the dollar amount necessary to redeem; 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 UCC § 9-623, recorded from its source on 2026-09-01.

- **State:** New York _(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. New York's motor vehicle instalment statute routes repossession through article nine of the Uniform Commercial Code and requires the holder, within seventy-two hours of repossession or surrender, to deliver or mail the buyer a written notice setting out the buyer's right to redeem the vehicle and the dollar amount necessary to redeem. _(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:** UCC § 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

> The holder of any motor vehicle installment contract who repossesses or accepts a voluntary surrender of a motor vehicle pursuant to the provisions of article nine of the uniform commercial code, or any contract, shall within seventy-two hours of such repossession or surrender, personally deliver or mail to the buyer at his last known address a written notice setting forth the right of such buyer to redeem such motor vehicle, the dollar amount necessary to redeem, and the name, address and telephone number of the holder from which information may be obtained regarding such redemption.

### Section

> New York Consolidated Laws, Uniform Commercial Code - UCC § 9-623. Right to Redeem Collateral

## Source

- https://codes.findlaw.com/ny/uniform-commercial-code/ucc-sect-9-623/
- https://codes.findlaw.com/ny/personal-property-law/pep-sect-316/

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/).