An Auto Lender would have to be awarded the right to garnish by a judge to legally be able to garnish your wages. This rarely ever happens because a car loan is an asset-based loan, meaning that the loan is against the car itself. The standard practice is that the lender would repossess the vehicle if you were to default on your loan. Obviously, this is not ideal. Please get in touch with one of your credit specialists if you are thinking that you may default on your loan.