Can you do car advertising with a leased or financed car?
Yes — Lunar accepts financed and leased cars if they're 12 years old or newer, but leased drivers should check their contract for exterior-modification clauses first.
Yes. Lunar (lunarcar.me) doesn't require you to own your car outright — financed and leased vehicles are both eligible, as long as the car meets the standard requirements: 12 years old or newer, a valid licence and insurance, and a real VIN. The decal itself is a removable vinyl circle applied to the door, not a modification or a wrap, so it doesn't change the car's title status or ownership paperwork. The one extra step for leased drivers is checking your lease agreement, since some leasing companies include clauses about exterior changes or commercial use that are worth reading before you apply.
Does financing your car change anything for Lunar?
No. A financed car is legally yours — the lender holds a lien on the title until the loan is paid off, but you're the registered driver and owner in every way that matters day to day. Lunar's eligibility check looks at the car itself (age, VIN, insurance) and the driver (18+, valid licence), not who holds the loan. If your financed car qualifies otherwise, financing alone won't disqualify you.
What's different about a leased car?
A leased car is technically owned by the leasing company for the length of the lease, and lease agreements sometimes include language about exterior modifications, decals, wraps, or using the vehicle for commercial purposes. That language varies a lot by leasing company and even by specific contract — some say nothing about it, others are stricter. Before you apply as a leased-car driver, read your lease agreement's terms on appearance changes and commercial use, and if anything is ambiguous, a quick call to your leasing company clears it up fast.
Will a Lunar decal count as damage or a modification to a leased car?
Lunar's decals are professional automotive vinyl, designed to apply and remove without damaging factory paint when installed and removed correctly. That's a meaningfully different situation than a full wrap, which changes the car's entire appearance and can be harder to justify under a strict lease. A single removable door decal is closer to what a leasing company would consider normal, reversible use — but "closer to" isn't the same as "guaranteed to," so this is exactly the kind of detail worth confirming with your leasing company rather than assuming.
Does advertising count as commercial use for insurance or lease terms?
It depends on the insurer or leasing company, and this is worth taking seriously. Some insurance providers treat paid car advertising as commercial use, which can affect your policy — Lunar recommends every driver confirm with their insurance provider before joining, regardless of whether the car is owned, financed, or leased. The same logic applies to your lease: if the agreement defines commercial use narrowly (like using the car for deliveries or rideshare), a decal advertising a local business may or may not fall under that definition, so it's worth a direct question rather than a guess.
What if your leasing company says no?
If your lease explicitly prohibits exterior decals or advertising, that supersedes anything Lunar offers — a car advertising decal isn't worth risking a lease violation. In that case, waiting until the lease ends, or checking if your next vehicle (financed or owned) will be leased under different terms, are the practical paths forward. Lunar has no workaround for a lease agreement's terms, and it wouldn't ask you to ignore your contract to join.
What do you earn once you're eligible?
Once your leased or financed car clears the standard eligibility check, earnings work the same as any other Lunar car. You choose how many of the up to 4 door-sticker spots to fill, and each one pays a flat $70 base per month, plus a mileage bonus of up to $15 and referral or streak bonuses, up to a $100 ceiling per sticker. Drivers filling multiple spots typically earn $280–$400 per month. These are estimates, not guarantees, and actual matches depend on availability in your area.
- Eligibility: 18+, car 12 years old or newer, valid licence and insurance, VIN required
- Financed cars: fully eligible — the loan doesn't affect registration or driver status
- Leased cars: eligible, but check your lease agreement for exterior-modification or commercial-use clauses first
- Decal type: removable vinyl door decal, paint-safe when installed and removed correctly — not a wrap
- Insurance: confirm with your provider, since some insurers treat paid advertising as commercial use
- Pay once eligible: $70 base per sticker, up to $100 with bonuses, typically $280–$400/month with multiple stickers
How do you check before you apply?
The fastest way to remove any doubt is to read the exterior-appearance and commercial-use sections of your lease agreement, and separately ask your insurance provider a direct question: does a small removable advertising decal on the door affect my policy? Getting both answers before you apply means there's no surprise later, and it takes less time than most people expect. Joining Lunar itself is free either way, with no deposit and no fee to check your eligibility.
Frequently asked questions
Can I advertise on my car if I still owe payments on it?
Yes. Whether your car is financed or paid off doesn't affect Lunar eligibility — what matters is the car's age (12 years or newer), a valid VIN, and your licence and insurance. The lender's lien on a financed car doesn't change your day-to-day ownership or driving status.
Do I need permission from my leasing company to add a decal?
Lunar can't say for certain, since it depends on your specific lease agreement. Some leases restrict exterior modifications or commercial use, so read those sections of your contract, and call your leasing company if anything is unclear before you apply.
Will a decal damage my leased car and cost me at lease-end?
Lunar's decals are removable automotive vinyl designed to come off without damaging factory paint when installed and removed correctly. That said, lease-end inspections vary by company, so confirming your specific lease's terms on exterior changes is still worth doing upfront.
Does car advertising count as commercial use on my insurance?
It can, depending on your insurer. Some providers treat paid vehicle advertising as commercial use, which may affect your policy, so Lunar recommends every driver — leased, financed, or owned — confirm with their insurance provider before joining.
What happens if my lease doesn't allow decals?
If your lease agreement explicitly prohibits exterior decals or advertising, that takes priority over joining Lunar. In that case, waiting until the lease term ends is the straightforward path, since Lunar has no way to override a lease's specific terms.
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