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.....and read your small print.
The fact is the car doesn't belong to you until its paid off, so there is probably some detail in the contract about how you must look after it, service it etc.
Mods may be excluded as they will want a 100% original car back if they have to reclaim it from you or if you return it early. Any perceived loss in value due to mods will be added to the settlement fee for sure.
If you can return it all back to OE then maybe OK, but things like 335 exhaust mods are pretty irreversible.
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