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Repossession Jobs (NOW HIRING)

7 17 Credit Union

Repossession Specialist

Warren, OH · On-site

$42K - $58K/yr

Responsible for all repossession, pre-auction, auction, post-auction activities/processes, vendor management, collateral recovery including repossession assignment, remarketing/sales/auctions, and ...

RMS

Vehicle Tracker - Repossession

Gallup, NM

$1.0K - $2.5K/wk

Repossession Vehicle Trackers Needed at RMS Are you a highly skilled and motivated individual looking for an immediate opportunity in the Repossession industry? Do you enjoy working in a dynamic and ...

Apply Early

RMS

Vehicle Tracker - Repossession

Farmington, NM · On-site

$1.0K - $2.5K/wk

Repossession Vehicle Trackers Needed at RMS Are you a highly skilled and motivated individual looking for an immediate opportunity in the Repossession industry? Do you enjoy working in a dynamic and ...

Apply Early

RMS

Vehicle Tracker - Repossession

Holbrook, AZ

$1.0K - $2.5K/wk

Repossession Vehicle Trackers Needed at RMS Are you a highly skilled and motivated individual looking for an immediate opportunity in the Repossession industry? Do you enjoy working in a dynamic and ...

Apply Early

Tri-State Recovery

Repossession Agent

Irvington, AL · On-site

$75K/yr

Repossession AgentAbout Us We are a leader in the auto recovery industry and one of the fastest-growing recovery companies serving Alabama and surrounding markets. We take pride in professionalism ...

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All JobsRepossession Jobs

Repossession information

See salary details

$11K

$57.8K

$137.5K

How much do repossession jobs pay per year?

As of Jul 6, 2026, the average yearly pay for repossession in the United States is $57,809.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,500.00 and $52,000.00 per year, depending on experience, location, and employer.

How do I become a repossession agent?

To become a repossession agent, you typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Some states require licensing or certification, which may involve background checks and training in legal procedures and safety protocols. Gaining experience in security, law enforcement, or automotive fields can also be beneficial.

What is a repossession agent?

A repossession agent, often called a repo agent, is a professional responsible for recovering property—such as vehicles, boats, or other assets—that have been leased or financed but not paid for according to the terms of a loan agreement. When a borrower defaults on their payments, the lender may hire a repossession agent to retrieve the collateral. Repo agents must follow state and federal laws to ensure the process is legal and avoid breaching the peace. They typically work for repossession companies or as independent contractors. The job often involves locating assets, negotiating with owners, and safely transporting the repossessed property.

Do repossession agents make good money?

Repossession agents typically earn an hourly wage or commission-based pay, with salaries ranging from around $30,000 to $60,000 annually depending on experience, location, and workload. The job may involve irregular hours and physical activity, and some agents receive additional compensation for successful recoveries or overtime.

How do I get into a repo job?

To get into a repossession job, candidates typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Relevant skills include good communication, problem-solving, and knowledge of legal procedures; some employers may require background checks or training programs. Experience in security, law enforcement, or collections can be advantageous for entry-level positions.

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

To thrive as a Repossession Agent, you generally need a valid driver's license, knowledge of state repossession laws, and often a high school diploma or equivalent. Familiarity with GPS tracking systems, tow trucks, and recovery management software is typically required. Strong conflict resolution, situational awareness, and effective communication skills help navigate tense situations and ensure safety. These skills are crucial for conducting lawful, efficient repossessions while minimizing risk and maintaining professionalism.

Does repo work pay well?

Repossession jobs typically offer hourly wages that range from minimum wage to around $20 per hour, with some positions offering commissions or bonuses based on recoveries. Pay can vary depending on experience, location, and the employer, and the job often requires strong communication skills and knowledge of legal procedures. Overall, repossession work is generally considered to provide moderate pay compared to other recovery or field service roles.

What is the difference between Repossession vs Debt Collector?

AspectRepossessionDebt Collector
Required CredentialsPossibly licensed or certified depending on jurisdictionOften requires collection licenses or certifications
Work EnvironmentFieldwork involving vehicle or asset retrievalOffice-based or fieldwork contacting debtors
Industry UsageFinancial institutions, auto lenders, leasing companiesCreditors, collection agencies, banks
Common Search/ComparisonRepossession vs Debt Collector

Repossession involves retrieving assets like vehicles or property when borrowers default, often requiring specialized licensing. Debt collectors focus on contacting debtors to recover owed money, typically working in collections. While both roles deal with debt recovery, repossession is more asset-focused and field-based, whereas debt collection emphasizes communication and negotiation. Understanding these differences helps job seekers identify the right career path in the debt recovery industry.

What are some typical challenges faced by repossession agents, and how are they addressed on the job?

Repossession agents often encounter challenges such as dealing with difficult or emotional vehicle owners, locating hard-to-find assets, and working in potentially stressful or confrontational situations. Companies usually provide training on conflict de-escalation, legal compliance, and safety procedures to help agents manage these scenarios. Strong communication skills and teamwork are essential, as agents often coordinate with lenders, law enforcement, and dispatchers to ensure safe and lawful repossessions.
More about Repossession jobs
What cities are hiring for Repossession jobs? Cities with the most Repossession job openings:
What are the most commonly searched types of Repossession jobs? The most popular types of Repossession jobs are:
What states have the most Repossession jobs? States with the most job openings for Repossession jobs include:
What job categories do people searching Repossession jobs look for? The top searched job categories for Repossession jobs are:
Repossession jobs near you
Infographic showing various Repossession job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $57,809 per year, or $27.8 per hour.
Repossession Administrator

Repossession Administrator

Wright-Patt Credit Union

Beavercreek, OH

Full-time

Posted 4 days ago

Wright-Patt Credit Union rating

5.8

Company rating: 5.8 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

Job description

If you have at least one year of collections experience and a passion for helping others navigate challenging situations, this could be the perfect opportunity for you! Join a team where your expertise and compassion can make a meaningful difference in people's lives while building a rewarding career.

 The Repossession Administrator is responsible for overseeing the entire collateral repossession process for the Credit Union, from assigning and canceling vehicle repossessions to managing the disposition and sale of the collateral. This role also includes handling, recovering impounded collateral, initiating skip claims and insurance claims for units with Collateral Protection Insurance and pursuing legal action against borrowers when collateral is not recovered. 

1)      Approves and assigns vehicles for repossession. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (10%)

2)      Negotiates repayment plans for severely delinquent member accounts where the vehicle is assigned for repossession. This role also negotiates the redemption of repossessed vehicles. Timely and accurately cancels repossession assignments with recovery agents once a satisfactory payment or payment arrangement is made, allowing for the cancellation of the assignment or the redemption of the vehicle. (10%)

3)      Manages the borrower and total loss claim process to maximize recovery and minimize losses, while prioritizing the member's needs. Works closely with vendors to ensure a smooth, efficient claims process with prompt responses to avoid delays. Keeps the member informed throughout the process as needed and addresses any concerns as they arise. (10%)

4)      Timely reassigns repossession orders to alternative agents once initial attempts to secure collateral have been unsuccessful. In addition, requests legal action including demand letters and breach of contract when collateral has not been recovered. (10%)

5)      Responsible for evaluating condition reports from the repossession agencies and auction houses to determine the general condition of the collateral, determine what repairs are reasonable and establish a fair market value for the sales price of the collateral seeking to maximize the recovery for the Credit Union.  (10%)

6)      Ensures impound notices are reviewed and responded to within department timeframes, taking swift action to minimize potential losses. (10%)

7)      Handles ACD line inquiries to address member and partner questions regarding repossessed units, including providing quotes for cancellation and redemption amounts, as well as answering general repossession-related questions. (10%)

8)      Proficient with the Collateral Protection Insurance (CPI) skip, damage and total loss claim processes and when to submit a claim to reduce potential losses on vehicles not located by a repossession agency. (5%)

9)      Ensures the credit union's lien is properly perfected and obtains repossession titles through local BMV offices or auction houses before the collateral is sold. (5%)

10)   Monitors the timely transportation of units stored at local agent offices to the appropriate auction houses to minimize storage fees for the credit union. (5%)

11)   Reviews fee requests from repossession agents for units in the repossession process to ensure fees are minimized and the credit union is not overcharged. (5%)

12)   Liaison between the credit union and vendors including recovery agencies, insurance center, indirect dealerships, auction houses, and attorneys.  (5%)

13)   Responsible for preparing and managing repossession reports including but not limited to the repossession sale report, repossession on-hand report, vendor performance reports, including vendor tracking updates for Collateral Protection Insurance.  (5%)

What Wright-Patt Credit Union employees say

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