Can You Put Private Plates On A Financed Car? Here’s What To Know

You’ve just got your car on finance and are thinking, “Can I add private or personalised plates to it?” The answer is yes, in most cases, you can. But there are some things you should know before you swap that standard plate for something cool or sentimental.

At Marsh Finance, we work with car lovers every day, and we know how much a personalised plate can add flair. But finance agreements come with responsibilities, so let’s talk through the ins and outs to keep everything legal, safe, and fuss-free.

🚗 Yes, you can put private plates on a financed car... usually

🚗 Why it matters: the plate is technically part of the car

🚗 Selling on or transferring the plate? You'll need permission

🚗 What you should do if you want to add a private plate

🚗 Tips to avoid plate problems

🚗 So... can I use private plates on a financed car?

🚗 Final takeaway

🚗 FAQs

Yes, You Can Put Private Plates On a Financed Car… Usually

If you have a Hire Purchase (HP) or Personal Contract Purchase (PCP) agreement, putting private plates on the car is allowed, as long as:

1. You don’t sell or transfer the plate separately from the vehicle without the lender's permission.
2. The car stays registered with DVLA correctly (tax, ownership, etc.).
3. The plate doesn’t violate any legal rules (no offensive or misleading combinations).

Most lenders, including Marsh Finance, agree to this because the plate becomes part of the car, not a separate asset.

Why It Matters: The Plate Is Technically Part Of The Car

Under your finance agreement, the car remains the lender’s until you’ve made all the payments. If the plate can be detached and sold separately, it becomes a “disposable” asset, and lenders usually don’t allow that without permission.

That’s why you’ll need to keep the plate attached to the car and take the whole package back if you voluntarily terminate the agreement or return the vehicle.

Selling On Or Transferring The Plate? You’ll Need Permission

If your plan is to keep the plate and move it to another car, here’s what you must do:

• Get written approval from the lender.
• Pay any required administration fees.
• Ensure no reduction in the total finance amount or lending value.

This is more common with older or cherished private plates that are worth real money, and it’s completely doable when handled properly.

What You Should Do If You Want To Add A Private Plate

✔️ Check your finance agreement or call Marsh Finance

Some agreements may mention plate restrictions… it’s always worth confirming early.

✔️ Apply for the private plate with DVLA

Once the plate is yours, you’ll need the V750 or V778 transfer form, and you’ll need to tax the car before the new plate takes effect.

✔️ Let your lender know

Contact your lender with the plate number and confirmation that the vehicle is taxed. They’ll make a note so there’s no confusion later.

✔️ Keep everything together

If you’re returning the vehicle early, keep the plate on, unless you’ve got official written permission to take it with you.

⚠️ Tips To Avoid Plate Problems

• Don’t buy a plate and swap it before checking with the lender.
• Don’t detach the plate without permission; it could breach your agreement.
• Keep transfer documents in a safe place; you’ll need them if you keep the plate.
• If you refinance or sell the car privately, get lender approval for the plate to go with you or stay behind.

So… Can I Use Private Plates On A Financed Car?

Yes, most finance agreements allow it if the plate stays with the car, and you’ve taken care of the paperwork. That means:

• You can personalise your ride.
• No separate asset concerns for the lender.
• Just be upfront and follow the steps above.

Final Takeaway

Adding a private plate to your financed car is doable and adds a bit of personality to your ride. Just be sure you check your agreement, talk to us, keep the paperwork tidy, and don’t remove the plate without permission.

Want us to confirm your agreement? Or think about applying for finance to include a private plate from day one? Get in touch with the Marsh Finance team, we’d love to help.

FAQs: Putting Private Plates On A Financed Car