You're probably in breach of your finance agreement. A UK youtuber a couple of years back financed an M4, got some mods added, BMW finance called him up and said he had to pay the balance of the finance in 28 days.

He clearly didn't have the funds and was at risk of losing the car with all the added mods.

Nobody should consider they own a car if it's financed. But they are liable for the bad things that can happen.