# Wisconsin — 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 Wisconsin, how the statute states the right is a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; section is 425.105, verified against its source on 2026-09-01.

- **State:** Wisconsin _(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 merchant may not accelerate, sue, or demand or take possession of the collateral until 15 days after a right-to-cure notice is given, and for those 15 days the customer may cure by tendering all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; curing restores the customer's rights under the agreement as though no default had occurred. _(our reading, not quoted from the source)_
- **How the statute states the right:** a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges _(verified: appears in the quote below)_
- **Section:** 425.105 _(verified: appears in its own passage below)_

## What the source says

> for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer’s rights under the agreement as though no default had 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 merchant may not accelerate the maturity of a consumer credit transaction, commence any action except as provided in s. 425.205 (6) , or demand or take possession of collateral or goods subject to a consumer lease other than by accepting a voluntary surrender thereof (s. 425.204 ), unless the merchant believes the customer to be in default (s. 425.103 ), and then only upon the expiration of 15 days after a notice is given pursuant to s. 425.104 if the customer has the right to cure under this section. 425.105(2) (2) Except as provided in subs. (3) and (3m) , for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer’s rights under the agreement as though no default had occurred.

### Section

> 425.105 Cure of default.

## Source

- https://docs.legis.wisconsin.gov/statutes/statutes/425/I/105?view=section

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/).