Loan value may change from the accessories (apprx $.25 for every $1.00 the parts cost) but wouldn't increase for the paint. This pretty much means if you're going to finance it at higher than bank value you would have to pay the difference between purchase price and bank value.
I had a troop once that had a car that was worth about $300. He put about $1000 into the stereo and thought he had a $1300 car. In reality he had a $300 car with a boom boom stereo...
Retired USAF, IYAAYAS!
2008 V-Star 1100 Custom Bobber project
2011 Crimson XR with Forged Highway Bars / Hard Bags / Passenger Backrest, Ness parts including Smooth Layback Plate Frame/Mount / Rad 3 Mirror / deep cut grips / drivers floorboards /shifter peg / brake peg / passenger pegs. Witchdoctor black rack, Lloydz filter / timing wheel / VFC III, 7Jurock windshield, Drag Specialties seat.