Taking out car finance in your name when your son will be the main driver is often considered

Misleading a lender about who will primarily use the car is known as "fronting" and is considered a form of fraud by false representation under the Fraud Act 2006 in the UK.

To avoid the risks of fronting, you can support your son through these legitimate channels: Can I get car finance for my son or daughter? - Carmoola

Most standard finance agreements (PCP or HP) mandate that the person signing the contract must be the registered keeper and the primary driver.