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Auto Repossession information

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$13

$22

$40

How much do auto repossession jobs pay per hour?

As of Jul 15, 2026, the average hourly pay for auto repossession in the United States is $22.95, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $24.28 per hour, depending on experience, location, and employer.

What is the difference between Auto Repossession vs Auto Loan Collector?

AspectAuto RepossessionAuto Loan Collector
Required CredentialsNone specific, often on-the-job trainingTypically requires knowledge of collections and sometimes a high school diploma
Work EnvironmentFieldwork, often outdoors, involving vehicle locationsOffice-based or fieldwork, contacting borrowers
Industry UsageUsed by repossession agencies and lendersUsed by collection agencies and financial institutions

Auto Repossession involves locating and retrieving vehicles when borrowers default, often requiring fieldwork and vehicle knowledge. Auto Loan Collectors focus on contacting borrowers to recover overdue payments, usually through calls or negotiations. While both roles are part of the auto finance industry, they differ in responsibilities, environment, and required skills.

What are the key skills and qualifications needed to thrive as an Auto Repossession Agent, and why are they important?

To thrive as an Auto Repossession Agent, you need knowledge of repossession laws, negotiation skills, a valid driver’s license, and often a high school diploma or equivalent. Familiarity with skip tracing tools, GPS tracking systems, and repossession management software is typically required. Strong communication, conflict resolution, and stress management skills make someone stand out in this role. These abilities are essential for safely recovering vehicles, maintaining professionalism, and ensuring legal compliance in challenging and unpredictable situations.

What is auto repossession?

Auto repossession is the process by which a lender or leasing company reclaims a vehicle from a borrower who has defaulted on their loan or lease payments. When a borrower fails to make agreed payments, the lender has the legal right to repossess the vehicle, usually without needing a court order. The repossessed vehicle may then be sold at auction or through other means to recover the remaining debt. The process must comply with state laws, and borrowers are typically notified of their rights and any remaining balance after the sale. It is important for borrowers to communicate with lenders if they are having trouble making payments to avoid repossession.

What are some common challenges faced by auto repossession agents, and how can they be effectively managed?

Auto repossession agents often encounter challenges such as dealing with confrontational situations, locating vehicles that may be deliberately hidden, and working irregular hours, including nights and weekends. To manage these challenges, agents rely on strong communication and conflict de-escalation skills, advanced investigative tools like skip tracing and GPS tracking, and close coordination with their team for safety and efficiency. Building resilience and following strict legal and ethical guidelines are also crucial for long-term success in this role.

Do repossession agents make good money?

Auto repossession agents typically earn an hourly wage or commission-based pay, with salaries ranging from around $25,000 to $50,000 annually depending on experience and location. Some agents may also receive bonuses or incentives for successful recoveries, and the job often requires knowledge of legal procedures and the use of specialized tools. Overall, earnings can vary widely based on the employer and individual performance.

How to get a job repoing cars?

To get a job repossessing cars, you typically need a valid driver's license, a clean driving record, and sometimes a background check. Experience in collections, security, or law enforcement can be helpful, and some employers require specialized training or licensing in repossession procedures. Building connections with repossession companies and understanding relevant laws can improve your chances of employment.

Does repo work pay well?

Auto repossession jobs can offer varying pay depending on experience, location, and whether the position is salaried or commission-based. Typically, repossession agents earn hourly wages or fees per recovery, with some earning additional bonuses for efficiency. Compensation can range from minimum wage to higher earnings for experienced agents with specialized skills and good performance records.
More about Auto Repossession jobs
What cities are hiring for Auto Repossession jobs? Cities with the most Auto Repossession job openings:
What states have the most Auto Repossession jobs? States with the most job openings for Auto Repossession jobs include:
Auto Repossession jobs near you
Infographic showing various Auto Repossession job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 69% Full Time, 25% Part Time, and 5% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $47,733 per year, or $22.9 per hour.

Collections Specialist - Back Office - Remote

defi AUTO LLC

Tallahassee, FL • On-site

$21/hr

Full-time

PTO

Posted 8 days ago

Job description

About defi SOLUTIONS:

At defi SOLUTIONS, we work with a variety of financial institutions, including banks, credit unions, and finance companies, to help them streamline and enhance their operations. Our all-in-one platform offers a range of services from loan origination and servicing to in-depth analytics, supported by advanced technology. These flexible and scalable solutions adapt to the changing needs of both lenders and borrowers. We are backed by industry leaders such as Warburg Pincus, Bain Capital Ventures, and Fiserv, and bring together expertise of defi SOLTUOINS and the former Sagent Auto Lending to deliver top-notch solutions.

What is in it for You?

  • Paid Training
  • Up to four weeks of PTO (Paid Time Off) allotted per year to encourage a healthy work/life balance
  • Tuition Reimbursement
  • Day One - Comprehensive Benefits Package
  • We encourage your individual growth and look to promote within!

Workplace Values: The Collections Specialist will be expected to operate in line with our workplace values which are:

  • Get it done
  • Win as a team
  • Better everyday
  • Do it with passion

About the Role: Our back-office collections team is looking to fill repossession and insurance positions to support our auto lending portfolio. In this role, you will be key in helping the company achieve desired financial outcomes as defined by client objectives. Our clients included some of the largest financial institutions and automotive finance companies in the United States!

Duties and Responsibilities:

  • Review and document status of accounts and initiate telephone contact with insurance companies and repossession agents
  • Review, canceland file claims against ancillary insurance products
  • Manage customer warranty and Gap Claims
  • Total Loss vehicle processing
  • Consumer data entry
  • Impound repossession handling
  • Prepare correspondences on delinquent accounts requiring special handling including contacting members by USPS mail, certified or email
  • Establish and monitor payment plans
  • Review and make recommendations for repossessions
  • Adhere to all laws, rules, regulations, policies, procedures, and internal controls specific to the job functions
  • Answer incoming vendor communications (i.e., phone, emails, faxes, etc.)
  • Perform other job-related duties as assigned
  • All other duties as assigned

Required Qualifications:

  • HS Diploma or GED
  • 3+ years customer service or back-office experience in a high-volume environment
  • Excellent verbal and written communication skills
  • Comfortable working with numbers
  • Intermediate proficiency with Windows-based software programs (i.e., MS Word, Excel)
  • Solid analytical and multi-tasking skills that result in solid decision-making skills and time management
  • Easily manage through change

Travel required:

  • No travel is required for this position

Affirmative Action/EEO statement: defi SOLUTIONS is an Equal Opportunity employer, and all qualified applicants will receive consideration for employment regardless of race, color, religion, sex, national origin, disability, or protected veteran status.