In most cases, a private seller cannot repossess a car in Texas unless there is a written agreement, such as a security agreement or a title retention agreement. If there is no written agreement, the buyer becomes the legal owner of the car once they take possession of it and make at least one payment.
However, there are a few exceptions to this rule. For example, if the buyer defaults on the loan or fails to make the payments as agreed, the seller may be able to repossess the car even if there is no written agreement. Additionally, if the buyer obtained the car through fraud or misrepresentation, the seller may also be able to repossess the car.