Guest 86guns Report post Posted July 19, 2017 I recently contacted my finance company to "get agreement" for some modifications. Nothing major, but the answers surprised me: Mud flaps - accepted (a good job since they're already on) Upgraded speakers (such as Focal is165toy) - not acceptable Remap - not acceptable (I kinda expected this) This left me wondering what others do if their car is on finance. Turn a blind eye and say nowt, or keep the car stock until it's paid off? I must admit the unwillingness to allow me to upgrade the speakers surprised me. Share this post Link to post Share on other sites
GT86-Ian 351 Report post Posted July 19, 2017 Don't tell my finance company I have a turbo fitted 2 Gary p and Bfranklyn86 reacted to this Share this post Link to post Share on other sites
Mike 458 Report post Posted July 19, 2017 I didn't bother, but I didn't do anything major and was going to keep the car so they didn't really need to know. Share this post Link to post Share on other sites
TTR 509 Report post Posted July 19, 2017 Just return it back to stock when the agreement ends. Share this post Link to post Share on other sites
Lauren 2259 Report post Posted July 19, 2017 Blimey, I did all of those including replacing all the audio, fitting active suspension, remap, exhaust and included in that were Focal 3 speakers! I didn't bother asking them! In fact I junked all the audio a month into ownership! But I did buy the car at the end. Though I admit at the time I wasn't exactly sure what I'd do, but it's more that I would have had to change it back to stock as I kept all the stock parts. As long as the finance company isn't out of pocket it won't matter. Share this post Link to post Share on other sites
Paul 442 Report post Posted July 19, 2017 Got a personal loan for the car so wasn't a factor. Share this post Link to post Share on other sites
Gary p 46 Report post Posted July 19, 2017 2 hours ago, GT86-Ian said: Don't tell my finance company I have a turbo fitted Haha same I had my turbo fitted on PCP if ya gonna keep the car then it doesn't matter👍👍 ow and had JL AUDIO C3 speakers banged in when it was nearly a year old🤐🤐🙈🙈 Share this post Link to post Share on other sites
Tareim 343 Report post Posted July 19, 2017 if you know you can afford the monthly repayments and are going to keep the car at the end, go mad with the modifications, I modified my whilst on PCP and I even sold it before I had paid it off (used the money from the sale to pay it off) never bother telling the finance company that you are modding it and you'll be fine, the only time modifying the car is going to be an issue is if you have to hand the car back as you cannot afford the repayments/final payment Share this post Link to post Share on other sites
Mikey P 32 Report post Posted July 19, 2017 I think it's always an issue if the finance company find out, don't forget till it's paid off its their car not yours. (Assuming PCP or HP). I would guess reversible mods like wheels etc if you keep stock parts would be less likely to lead to problems but I exspect if they wanted they could still end the agreement as it's no doubt in small print. Best option in terms of modding is a personal loan as not linked to car. 1 Rich reacted to this Share this post Link to post Share on other sites
Test Drives Unlimited 278 Report post Posted July 26, 2017 I didn't tell the Finance Company either,although in the end paid off the PCP Share this post Link to post Share on other sites