You need to contact your lender. Generally, you will be required to pay all past due payments plus the costs for the repossession (towing, impound, etc.) in order to recover your vehicle. You only have a limited amount of time to do this before the car will go to auction so you should call your lender ASAP. If your car is sold at auction, you will be responsible to pay the difference between what it sells for and the balance of your loan (plus repo and auction fees).