How To Rent A Car Without A Credit Card

A world without credit cards is almost unimaginable now; the credit card is ubiquitous in all industries across the globe. Car rental services are not much different, but there is more flexibility in car rental market with respect to the mode of payment. While, in the past, there were very limited independent car rental agencies which accepted other modes of payment than the credit card, time has paved way for establishment of auxiliary payment options like the debit card or a check card. Getting a rental car without a credit card is not at all hard nowadays owing to the presence of cash-only car rental agencies.

The Car Rental Express website lists independent car rental agencies across the world and even specifies the accepted modes of payment so that it becomes easier for the customer to decide on the agency. It has to be understood that you would have to spend some extra time and effort to find a good car rental agency with reasonable policies and rules if you’re looking to not use your credit card. Typically, most companies would have different policies if you’re paying by cash or debit card; it is important that you spend some quality time online hunting for good car rental agencies which impose the fewest number of restrictions on you. Doing your homework requires more time for analysis and comparison of rates and policies of different car rental agencies.

An important point to be considered is the type of car you’re going to rent. Most car rental agencies, even if they accept debit cards and cash, will not be willing to rent out an SUV or a specialty sports car to you if you don’t use a credit card to settle the bills. Insurance is another object of importance; if you have a comprehensive insurance for you and the car, it would be easier for you to get a car.

It is highly advisable to have a bit of extra cash in your account so that you can allow the car rental agency to have a hold/block on a portion of cash in addition to the car’s rent. This could vary from $200 to $500, which would be rendered inaccessible for a period of 2 days to a fortnight. Further, it is important to ask the car rental agencies about the types of card that they accept – MasterCard and Visa logos may have their specific renown, but other cards may need to be checked for acceptance. It is common knowledge that the names on your identity and your debit card must match, so it is not advisable to use your parents’ card or your friend’s card even if you have obtained permission to use it.

You may be of the opinion that cash in hand is always better than a credit card, but some car rental agencies may required to be pressed before they would accept cash or debit card. If you don’t have a credit card, be ready for a credit check – having a bad credit history could hurt your chances of renting a car with them. Sometimes, as per their norms, car rental agencies may perform a background check on you, call your bank and verify your identity. For this reason, it is always better to carry more than one form of identity like your recent telephone bill or your car’s insurance.

It is always better to plan your trip with a bit of time to spare, and arrive at your destination well before the scheduled time. You might spend more time standing in the line before you can drive your car away, so it is essential to be prepared to spend more time in the agency. Background checks and verification could take more time than you anticipate. Ultimately, unless you don’t own a credit card, it is better to always have a credit card in hand for contingencies even though you can expect to not use it at all for the trip.

HOW TO RENT A CAR WITHOUT A CREDIT CARD

Everyone has their own reason for choosing not to own a credit card. Maybe it’s due to bankruptcy, no credit score, or they are just not interested.  But whatever the reason(s), because of the various payment options that car rental companies have made available to the public, renting a car without a credit card is quite possible nowadays.

Here are some tips on how you can rent a car without a credit card.

Cash Car Rental

There are car rental companies that will accept cash. But first, you will need to check around for those companies that will allow you to use cash from start to finish because some companies only allow you to use cash when returning the car.

There is a complete list of car rental companies that accept cash on the Car Rental Express Agencies Worldwide Directory you can check them out.

Bear in mind too, that if you are going to use a cash car rental agency you will have to provide proof of your driver’s license. Some car rental companies may also require:

  • Proof of insurance

  • Proof of address

  • Cash deposit

As long as you have these documents intact, then you are well on your way to renting a car without a credit card.

Car Rental with Debit Card

Another alternative is to use a debit card. There are car rental companies that will accept debit cards. In fact, debit cards work almost the same as credit cards. The difference is that with debit cards, the cash is debited instantly from your bank.

But not all debit cards are accepted. Some car rental companies have their specific preferences. If you are renting a car through a website then that website will indicate the type of debit card that they accept, whether it be Masters or Visa cards.

Although you can pay for your car with a debit card through car rental agencies like us, remember that when you go to pick up your rental car from the dealer you will need to show proper identification.

Benefits of Renting a Car without a Credit Card

According to sources, using a credit card to rent a car is a better option than using other methods. However, there are several benefits to renting a car without a credit card, for example:

  • No need to worry about credit card bills: the fact that you will use your cash or debit card, eliminate the need to worry about having an outstanding bill to pay.

  • You will stick to your budget: with a credit card you may be tempted to rent an expensive car but using cash or debit card you will stick to your budget because you will have to pay the cost upfront.

  • You will feel contented: you definitely feel relaxed and contented when you return home knowing that all your bills are covered.

How to Rent a Car without a Credit Card Frequently Asked Questions

  • What are some items that I will need to rent a car without cash?

To rent a car with cash only or with a debit card you need enough money to cover the cost of the card. In addition, most car rental agency will require valid identification.

  • Although I am not using a credit card, will there be any special terms and conditions to my rental?

Certainly. Every car rental agency has its own terms and conditions that you must adhere to and it doesn’t matter if you are using cash or a credit card. If you are booking online please read the terms and conditions to get familiar with the requirements for renting a car.

  • If I want to pay my car rental with a debit card, what type of debit card will the car rental agency accept?

You will have to check with the specific agency. However, most car rental agency accepts major debit cards like MasterCard and Visa.

  • Can I use someone else’s debit card to pay for my car rental?

In this case, it is advisable for you to use cash if you do not have a debit card because you will have to show your identification and the debit card details will have to match when you go to pick up the vehicle.

Conclusion

Not having a credit card will not prevent you from renting a car. You can rent a car without a credit card by using cash, debit card, or any other acceptable method. Moreover, car rental without credit card can have several benefits, such as less stress, no credit card bills, and more control of your budget.

Ready to rent a car?

Get rates and reserve your car today  from one of our car rental agency that will accept other means of payment other than credit card.