Actually new subprime auto loans install a device that allows the lender to disable and locate the car remotely (obviously not while in use). So repossession is a lot easier (and presumably less sloppy) compared to the alternative and is part of the reason subprime auto rates have fell over the years. Lenders don't want to repossess as they are in the business of charging interest, not in selling pre-owned cars. They only repossess at last resort. Going after missed payments is also very expensive, especially given the small amounts.