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Can I make modifications and add aftermarket parts to a financed car?
I want to make some mods to my car, including bigger wheels and a body kit. Can I do this if I'm financing the car?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In many cases, modifying a vehicle that you’ve financed is totally legal—but it’s a good idea to read your loan paperwork or contact your lienholder before making any changes to the car. This way, you can find out what modifications you can make without violating the terms of your loan.
Since modifications can range from minor changes (like a window tint) to total transformations (like adding a turbocharger), there can be a significant range when it comes to what mods a lender will or won’t allow. According to
Capitol One Auto Navigator
, “official modifications” that are preapproved by the automaker are typically covered under the car’s factory warranty, and therefore won’t impact your loan terms or the relationship with the lender. Keep in mind that many aftermarket parts—especially those perceived as outlandish—can actually lower the value of your vehicle (even if you spent a ton of money on them). That being said, the choice to make modifications is ultimately yours.
If you plan on paying off your vehicle and holding onto the title, the way
car mods
affect its value—and how you feel about it—matters less. If, on the other hand, you hope to sell the car or trade it in once it’s paid off, you may want to consider the value of certain modifications more heavily. Whenever you make modifications that impact your vehicle’s appearance or performance—like adding bigger wheels and customizing the body—or add high-value components to your car, you should also make sure to let your insurance provider know.
MORE:
Illegal car modifications to avoid
Meta description:Modifying a vehicle that you’ve financed is usually legal—but it’s a good idea to read your loan paperwork or contact your lienholder before making changes.View full answer
- Gregory R.
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