Hertz Credit Check Policy: Minimum Score, Denial Explained

You know that credit checks are often required when you apply for credit cards, loans, or other forms of financing — but did you know that some car rental companies like Hertz also perform a credit check? Read on to find out more about the Hertz credit check policy and what you need to know about renting from Hertz.

Does Hertz Run a Credit Check for Car Rentals?

Hertz doesn’t require a credit check if you use a credit card for your car rental. However, if you rent a car using a debit card, you will be subject to the Hertz rental credit check. Hertz checks your credit through Equifax, one of the three primary credit reporting bureaus, and does a “hard pull” which reduces your credit score by a few points. Hard pulls can continue to affect your credit score for up to six months.

It’s important to note that you can’t use a debit card for a prepaid reservation from Hertz. The company only performs a credit check if you use a debit card to rent a car directly from an airport or non-airport location or if you reserve a rental car online without prepaying.

Related Article: The List of Car Rental Companies That Don’t Do Credit Checks

Is There a Minimum Score for the Hertz Credit Check?

No. Hertz Rent a Car does not have a specific credit score required to pass a credit check. Customers have reported being approved for the credit check with Equifax scores in the low 600s, and some customers with bankruptcies on their credit reports have also been approved for Hertz car rentals.

We spoke to a representative from the company, who confirmed that Hertz bases their credit decision on a number of factors beyond credit score, including whether you have any delinquent credit accounts on your record. If you have a delinquent account during the last three years, it’s more likely that your Hertz credit check will be denied. To summarize, there is no Hertz credit check minimum score bar to overcome.

What If Your Hertz Credit Check Is Declined?

If your Hertz credit check is denied, you still have a few options for renting a car from Hertz. The easiest solution is to use a credit card (if you have one) instead of a debit card, as credit card reservations and rentals aren’t subject to a credit check.

You can also use cash to rent a car from Hertz with no credit check required. For cash rentals, you’ll need to apply for a Cash Deposit ID card in person at a Hertz location. You must provide a valid driver’s license and a non-refundable $15 processing fee. Approval for a Cash Deposit ID card takes around 30 days, but once approved, you can use the card for cash rentals at any Hertz location.

How to Rent a Car From Hertz

Whether you’re renting with a credit card, debit card, or cash, a $200 deposit is required to rent a car from Hertz. If you’re using a debit or credit card, these funds will be unavailable in your account until after you return your rental car and the deposit is refunded. You can learn more about Hertz rental policies and payments on the Hertz Forms of Payment page.

At the time of rental, Hertz charges the entire estimated amount of the rental period plus the deposit to your debit or credit card or requires the full amount in cash. You can rent a car directly from any Hertz location or reserve a rental ahead of time online or by calling customer service at (800) 654-3131.

If you reserve your rental with a credit card, you can use a debit card or cash to pay the rental charges when you return the vehicle.

In Summary

Hertz performs a credit check for car rentals when you pay for the rental with a debit card. Hertz does a hard pull on your Equifax record for credit checks, and scores in the low 600s or better are generally approved, provided there are no delinquent credit accounts on your record. If you use a credit card or cash to rent from Hertz, no credit check is required.

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