It is considered late if you do not make your monthly auto payment by the due date.
Fortunately, some lenders allow you to make late payments within a week or two of the due date, allowing you to avoid penalties. Until the customer makes the payment, it is still considered past due. The lender will not charge late fees or charges while the account is in the grace period.
When a payment is not received, you are in default. Depending on the terms of the loan, you may be reported as 30 days late on your credit report and face late fees. You can avoid missed payments by setting up automatic payments through your bank, your lender, or a payment app.