3 Car Rental Companies That Don’t Do Credit Checks (+ Those That Do)

Credit checks are frequently used by car rental companies when you book without using a major credit card. However, some car rental agencies have changed their rental policies to help those who lack credit.

Below, we’ve compiled a list of national car rental companies that don’t do credit checks. We’ve also included car rental companies that do perform credit checks, so you’re not left wondering. To get this information, we viewed each company’s rental policies online and contacted the customer service department if the information wasn’t available.

Note: We only included car rental companies with clear policies regarding credit checks. There are many ride-sharing and independently owned car rental companies, but credit check policies for these establishments tend to vary from one location to the next.

Car Rental Companies That Don’t Do Credit Checks

The following car rental companies do not require a credit check, even if you don’t use a credit card. Many car rental companies accept a debit card in the place of a credit card. There are also several companies that will allow you to reserve a rental car with a prepaid credit card and some that will let you pay cash for your rental.

Alamo

  • Payment types accepted besides credit cards: Debit cards bearing the Visa, Mastercard, or Discover logo are accepted with proof of return or outbound trip; note that Discover is not accepted at Alamo’s Canada locations.
  • Other requirements: When paying with a debit card, you may not add additional drivers to your rental other than your spouse or domestic partner.
  • Find out more

Enterprise Rent-A-Car

  • Payment types accepted besides credit cards: Debit cards are accepted with proof of round-trip travel at the time of rental; an additional security deposit may be required. Cash is not accepted at the time of pick-up, but some locations will accept it as payment when you return your rental.
  • Other requirements: An additional security deposit may be required, depending on the location. You must be at least 21 years of age to rent a car through Enterprise (the minimum age in Michigan and New York State is 18). A young renter’s fee may be applied to the cost of your rental if you are between the ages of 21 and 24. U.S. government employees can rent if they are at least 18 years of age, provided that they show the renting office their official orders.
  • Find out more

Note: Also see our research on Enterprise student discounts.

National

  • Payment types accepted besides credit cards: National accepts debit cards with the Visa, Mastercard, or Discover logo (Discover not accepted in Canada) with proof of round-trip travel. Without proof of round-trip travel, a debit card can only be used as a form of payment at the time of return. Cash is accepted at the time of return only.
  • Other requirements: You must be at least 21 years old to rent with National; a “Youthful Surcharge” may be applied for drivers 21 to 24.
  • Find out more

Also see our list of car rental companies that accept debit cards, or compare your rental options using our car rental selection tool.

Car Rental Companies That Do Perform Credit Checks

The following car rental companies require a major credit card or conduct a credit check when you use a debit card or other form of payment. Note that car rental companies may do a soft or hard pull when checking your credit. A hard pull shows up on your credit report and typically drops your score by a few points. It is always best to ask the agent when renting a car if they will conduct a hard or soft pull.

Avis

  • Payment types accepted besides credit cards: Most Avis locations accept debit cards. Avis will perform a credit check before releasing the car. You must also present a second form of identification. You may use a debit card, cash, or check card for payment at the end of the rental.
  • Other requirements: In most states, you must be at least 21 to rent with Avis. Drivers under 25 may also pay a surcharge. In some locations, you must be 25 to use a debit card for payment.
  • Find out more

Budget

  • Payment types accepted besides credit cards: Some locations accept debit cards if you are at least 25 years old. If you are using a debit card, Budget may request an authorization hold against your account for the estimated charges of your rental. Check your local Budget office to determine what they require for debit card holders.
  • Other requirements: Some locations may also require a third form of identification (in addition to a driver’s license and debit card) for debit card holders. You may also be required to provide proof of return travel.
  • Find out more

Dollar

  • Payment types accepted besides credit cards: At most locations, you may use a debit card. You may also pay up-front with a cash deposit if you have obtained a Cash Deposit Identification Card.
  • Other requirements: You must be at least 20 years old to rent at most Dollar locations (the minimum age in Michigan and New York is 18). There is also a Young Renter Fee for drivers under 25.
  • Find out more

Hertz

  • Payment types accepted besides credit cards: Most Hertz locations allow the use of debit cards. At airport locations, you must also have two valid forms of ID and proof of a return flight. You can also pay an up-front cash deposit if you have obtained a Cash Deposit Identification Card.
  • Other requirements: You must be at least 18 years old to rent at most Hertz locations; you will have to pay a Young Renter fee if you are under 25.
  • Find out more

Note: Also see our research on the Hertz credit check policy.

Thrifty

  • Payment types accepted besides credit cards: Debit cards are accepted, though there are some restrictions if you book less than 24 hours in advance. Contact a specific location for details. You can also pay an up-front cash deposit if you have obtained a Cash Deposit Identification Card. Prepaid cards can be used for payment at the end of the rental.
  • Other requirements: You must be at least 20 years old to rent with Thrifty in most locations. If you are under 25, you will be charged a daily surcharge.
  • Find out more

Turo

Note: Rather than a traditional car rental company, Turo is a peer-to-peer car rental service. To use Turo, you must create an account, after which Turo may perform a credit check before approving your application. For more details, see our research answering common questions about Turo.

  • Payment types accepted besides credit cards: Debit cards, Apple Pay, Revolut card, Google Pay (in Canada and U.S.)
  • Other requirements: Turo may also perform auto insurance and criminal background checks when you apply. You must be at least 18 to use Turo. You will be charged a young driver fee if you are under 25.
  • Rent with Turo (paid partner link)

7 comments

  • Kathleen Wilson says:
    First Quarter Finance logostaff

    Hi Lisa,
    I’m sorry to hear you had bad luck with Avis. Most car companies do require that you use credit cards, which can cause problems when you want to use a debit card — even when it has more than enough money on it. Hope you have better luck next time when you try Enterprise!

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi there!

      You’re right — when using a debit card, Hertz will likely check your credit. Thanks for bringing this to our attention. We have updated the article to reflect this information.

  • Hector Barajas says:

    Hertz policy states that if you use a debit card, you are subject to a credit check.

    ” Use of a debit card to rent a vehicle is subject to a credit check to determine credit worthiness at the time of rental”

  • Don’t ever rent or rely on avis..I have descent credit. I get loans all the time. I reserved a car days before I even needed it. All was fine. I landed went to the Avis office. I had already given them all my info and everything was fine. Till I got to the counter.. The lady was nice until she said oh we do a soft credit check. I was like ok, other than my student loans my credit is good. Well lets just say it wasn’t good enough for them. The girl went from nice to extremely rude in seconds… I am a passive nice person and wasn’t rude at all. So Here I am stranded 4 hours from home. I had to have someone come and get me. Sat in a park while a friend drove the four hours to come get me. Needless to say I will never use Avis again and recommend going to any other company.. Which I use and have used since with no problems what so ever.

  • Budget Car Rental at the Denver performs a credit check if you rent with a debit card.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Jenncie,

      Thanks for the information. We always appreciate it when our readers can help keep our articles accurate and up to date. We will research this and update the article, if necessary.