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You can steal one off the streets, but there is a dollar amount limit on cars that you steal and try to enter one of your Garages to store it.
If it lets you, then just make sure you get Insurance on the car if you want to keep it.
This is because you can only access the Pay N Spray under the conditions of respraying the car for Simeon. It's coded into the "mission".
I did put a crew emblem on one of the cars once, and then Simeon didn't want it.. I'd get a message that says Simeon isn't interested in personal vehicles. I thought: "Holy Crap! I found an exploit to get these cars!" but I was sadly mislead. When I drove to my garage, I got the notice that I had to purchase the car. Took it to Pay N Spray and no longer could enter because the car was too high value.
It's almost as if the game recognized my crew color as making the vehicle personalized, but it was never linked to my character as a personal vehicle. It was in a weird (and useless) state of limbo.. Only Simeon mission to cost me money.. :(