Rent a car with debit card no credit check

Rent A Car With Debit Card No Credit Check

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Can You Use Debit Card To Rent Car

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Can Pay Using My Debit Card Vamos Rent

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Paying for a rental car with debit card: 9 obstacles

By Constance Sommer,

Hoping to use a debit card to rent a car? It's usually possible, but rarely easy. Rental car companies prefer that their customers use a credit card.

As Thrifty Rental Car explains on its site: "Renting a car to someone with no credit card is risky for rental car companies. Not having a credit card is a red flag that you may be a credit risk."

Debit cards also present a conundrum for rental car companies. What if the debit card renter returns an empty tank, but there isn't enough cash left in the bank account to pay for it? Or the car comes back dinged up, but the renter's insurance policy doesn't cover it and, once again, the bank account has dipped too low?

But rental car companies want to keep customers happy and borrowing vehicles. So it is often possible to rent a vehicle using a debit card - just expect more hassles and more time at the rental car counter. What obstacles, if any, that you will face trying to rent a car with a debit card vary from company to company, and even location to location. Read on for a list of nine obstacles you may encounter, and a breakdown of policies by rental car agencies.

1. You'll need to have available cash.

2. You may face a credit check.

3. Carry extras forms of identification.

If you can offer a credit card as well, that will always be acceptable. Otherwise, in addition to a driver's license, you may be required to produce a second or even, if you're dealing with Rent-a-Wreck, a third form of identification. An acceptable form of ID could be a passport, or a utility bill with the same address as the one on your driver's license.

4. You'll have to buy or show proof of insurance.

Many rental car companies will ask debit card users to produce evidence of insurance. Expect this in particular to slow the process down, because the rental car agent will then call the number on the policy and make sure you have the level of coverage the rental car company requires to rent the car. If not, the agent may insist you purchase sufficient coverage from the rental car company, or decline to rent you a car.

5. Show evidence of return travel.

This varies widely from company to company, and even from location to location. Enterprise, Alamo and National (which are all owned by Enterprise Holdings) have pretty flexible policies for nonairport locations. But if you want to use a debit card to rent from them at, say, Los Angeles International Airport, you'd need to produce a return travel ticket with your name on it. This could be an airline, cruise or train ticket. The same holds true for Budget's Newark, New Jersey, airport location, though many other Budget locations do not make this demand.

6. Expect vehicle exclusions.

Talk about feeling like a second-class citizen . In addition to the hoops a debit customer must jump through, there may also be classes of cars you cannot rent. A Mercedes sedan, a Chevy Suburban, a convertible by any automaker - these are all cars that are not rentable with a debit card at many rental agencies or locations. The main distinction here is size and/or luxury.

7. Age exclusions may apply.

Budget and Avis will not allow anyone under 25 years old to secure a rental car with a debit card. Too young? Too bad. Thrifty has the same policy for off-airport locations. Other companies may require more proof of identification for the younger set.

8. You'll pay up at vehicle return.

Generally speaking, rental car agencies are happy to take your money in whatever form you offer. Hertz and Thrifty will let you pay cash upfront if you really plan ahead by applying at least 30 days in advance for one of their Cash ID cards, and paying a $15 surcharge for the card.

Car rental without a credit card and bad credit?

This is kind of embarassing, but here it goes. Due to bad timing, my husband and I are without a credit card to use until midnight tonight. We need to rent a car to get out of the airport, but my husbands credit isn't good enough to use a debit card, and I can't use my debit card

because I am under 25. Are we simply stranded at the airport until we have a useable credit card? Does anyone know of a car rental company that doesn't have a credit check? The family we are visiting is 6 hours away and I couldn't ask them to pick us up. We're in the Louisville airport and it has the standard car places. We're willing to put as large a deposit as needed. Anyone have any ideas? Greyhound is out of the question.

posted by availablelight at 7:25 AM on March 12, 2009

posted by DarlingBri at 7:25 AM on March 12, 2009

posted by zippy at 7:28 AM on March 12, 2009

$400 overage that can take up to a week to be released.

posted by TheNewWazoo at 7:28 AM on March 12, 2009

posted by TheNewWazoo at 7:29 AM on March 12, 2009

posted by nitsuj at 7:44 AM on March 12, 2009

posted by lizjohn at 7:44 AM on March 12, 2009

posted by whatzit at 7:47 AM on March 12, 2009

posted by phoenixy at 7:52 AM on March 12, 2009

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posted by Optimus Chyme at 8:00 AM on March 12, 2009

posted by phunniemee at 8:04 AM on March 12, 2009

posted by mercredi at 8:04 AM on March 12, 2009

posted by zippy at 8:17 AM on March 12, 2009

posted by lizjohn at 8:25 AM on March 12, 2009

posted by dilettante at 8:54 AM on March 12, 2009

Flexible Payment Options for Your Car Rental

Rent a car with debit card no credit check

Alamo offers several flexible payment options for customers including credit and debit card, cash, and pre-payment. Don't have a credit card? Learn how to rent a car with a credit card below.

Renting a Car with a Credit Card

A credit card must be presented with available credit, in the renter's name. The signature must match the name imprinted on the card and the signature on the car rental agreement. For online reservations, the number and name printed on the card presented must match the name and number stored for the online reservation.

When using a credit card to pay for a car rental, the location will pre-authorize/hold the total amount of the rental plus a rental deposit on the credit card. When the vehicle is returned, only the cost of the rental will be charged to the credit card.

  • Credit Cards accepted: American Express®, MasterCard®, VISA®, Discover® Network, and JCB
  • Credit Cards accepted in Canada: American Express®, MasterCard®, VISA®, and Discover® Network
  • Credit Cards accepted in Puerto Rico: American Express, MasterCard, VISA, Diners Club and Discover Network.

See below for information on how to rent a car without a credit card.

Renting a Car with a Debit Card

Debit and check cards are considered to be any non-credit card bearing the VISA, MasterCard or Discover Card logo. Any other non-credit card without one of these logos is not accepted as a valid form of payment.

When renting a car in the US, Debit/Check cards are accepted for customers with proof they have deplaned or disembarked at the rental location. Customers must have proof of a ticketed return or outbound trip from the location where the vehicle will be returned on an airline, cruise ship or train. For customers not deplaning or disembarking at the rental location and/or do not have evidence of a return or outbound trip, Debit/Check cards are only accepted as a form of payment at the time of return. This applies to all airport, sea port, train and bus station locations in the US and Canada.

When renting a car in Puerto Rico, a credit card in the name of the renter must be present at the time of pick-up. Debit/check cards are accepted only for payment at time of return.

Cash is not accepted as a deposit at the beginning of a rental at any location. For security reasons, many locations do not accept cash at any time.

Note: Some tour customers are exempt from certain cash rental restrictions due to the pre-paid nature of their travel packages.

Note: For rentals in Canada, only customers on a pre-paid tour or renting on corporate accounts that have negotiated the option to use cash are allowed to use cash to qualify for a rental.

Alamo offers discounted car rentals for customers who take advantage of pre-payment options . Since your car rental reservation is prepaid, you'll spend less time at the rental counter and get on the road faster! Your credit card will be charged at time of reservation and the Pre-Pay discount will automatically be applied to your rate. This discount is 5% off.

Note: Debit cards are not accepted for Advance Pay reservations.

To qualify for Pre-Pay:

A major credit card and a valid driver's license in the name of the renter will be required at the time of rental. The credit card presented must be the same credit card used to pre-pay for the reservation.

Alamo does not accept online-only, virtual credit cards or any other type of "9quot;single-use9quot;9quot; card number security product or one-time use credit card number that may be provided by credit card companies for online use.

Advance reservation is required (generally 24 hours) to take advantage of pre-payment options.

Prepay is not available at all locations, all of the time. If available, the pre-pay option will appear when selecting a vehicle during the online rental process.

Additional Driver: Additional charges will apply for additional drivers. Additional driver fees must be paid for at the rental counter at pick-up. No additional driver is allowed with Pre-Pay except in participating locations within the following states: California, Illinois, Missouri, Nevada, Oregon, and Wisconsin.

Cancellation Fee: If the reservation is cancelled more than 24 hours before the car rental pick-up time, a $50 USD/$65 CAD (or cost of rental, whichever is less) cancellation fee will be assessed. If the reservation is cancelled within 24 hours of the pick up or is not picked up at all, a $100 USD/$135 CAD (or cost of rental, whichever is less) no-show fee will be assessed.

Any optional insurance or CDW product selected at the time of reservation may be cancelled at the counter at the time of rental without incurring a cancellation fee."

"Credit Check" when renting a car.

I meant to post this when we got back from our trip in September, but forgot, so here goes:

That's standard practice. Rental car companies want a credit card for guarantee purposes. You can pay for the car upon return with the debit card, but you can't use it as a "guarantee9quot; of payment. It's stated on every car rental website.

It seems to me that just a couple of years ago, you could not even rent a car if all you had was a debit card -- many agencies required a credit card instead.

Neo, your thoughts are correct. I have a college age grandson as you know. He has a checking a/c and an ATM/Debit card. A few days before payday he is probably down to $50.00 in his checking a/c. I also thought one had to present a credit card to rent a car but maybe the rules have changed.

I was also under the impression that you could not rent a car with a debit card. So I would think that the OP was lucky that Hertz agreed to take their debit card in the first place.

Exactly what toedtoes said.

During one of our trips (Mexico), the Hertz rental agency had to call my credit card company for approval after CC company wouldn't let the "guarantee9quot; go through (random security check on the part of my CC). That's how I realized that rental car companies actually block a certain amount on CCs.

I'm really surprised you were able to pick up a car with a debit card.

Just to be clear about Mexico. This happened when we were picking up the car, not when we were returning it and paying the bill.

Aha, thank you for clarification. They had no printed materials to show us that this was the policy. Seemed crazy to me. The way my debit card works is that it's also a Visa card, and can be used just like a credit card. I've always operated under the assumption that debit cards with the Visa / MasterCard symbol on them were treated just like CC's.

Hi lynnejoel, when you say your debit card has the Visa symbol and acts like a credit card..I have a question for you.

I have used my debit card with the Visa symbol at hotels, etc as a credit card. I know the money is debited from my checking but does the merchant have some way of knowing this is really a debit not a credit card?

Did you tell Hertz it was a debit card? I'm wondering if once they put a hold on the funds they could tell it was a debit card??

When they run the card numbers, there is a way to see it is a debit versus credit card - so they do know.

There was a warning in the SF Chronical some months ago about holds being put on debit cards at gas stations. At that time evidently there were not any warning notices for the customer to see and consequently due to the holds for 3 to 4 days some people on tight budgets got overdrawn on their checking accounts. I don't know if our local gas stations have warning notices now or not but they should.

Those "holds9quot; aren't really holds and have always been there when you use the debit card as a credit card. Basically, they electronically submit the amount to the bank at the time the card is swiped and the bank freezes that exact amount and begins the process to transfer the funds, which may take a couple days.

Blame it on the debit card transaction. You need a good credit card and then you will have little or no problem. There are a different set of rules that apply when you use a debit card.

I totally understand the difference between a credit card and debit card (have plenty of credit cards. but we prefer to pay with the debit card - same as cash kind of thing to us).

Hi lynnejoel, perhaps it is an insurance type of requirement. People that charge their car rental with their credit card perhaps insurance statistic wise cause less problems for rental car companies than people that use their debit card..most probably use their debit card because they do not have a credit card unlike you and consequently are typically less financially stable?

And you won't go through the aggreviation of having the rental car company run a credit check on you.

Good grief. You have gotten many valid explanations of why this happens, and yet you're still irked. What gives? You always had the option of reserving the car with a real credit card and paying with your debit card.

I share ipod robbie's frustration. You can't routinely rent a car with a debit card for all the reasons given, though you can pay for one when you return.

As a merchant, the visa/mc logo on a debit card allows me to process that card along with all the other credit cards, UNLIKE an ATM card. I believe that's the reason they started putting Visa logos on what is really an ATM card - gives Visa/MC a part of the action. It never actually works like a credit card though, except that if there's no pin pad, then the charge takes one extra day to process.

A debit card cannot be used as a credit card. No matter how used the cash comes out of your bank account. With a credit card you are will receive a statement.

The only thing I use a debit card for is to get cash from a machine.

I've never understood any real advantage of using a debit card for purchases. I always pay off my credit card in full, so when I charge something it may be up to 5 or 6 weeks before I have to pay for it at absolutely no additional cost to me. Why do people want to "lose9quot; their cash from their checking accounts immediately when someone else will "fund9quot; you for free for a month or more -- and give you FF miles or other advantages to boot? (Although I guess some debit cards will also give you that last benefit, too).

NeoPatrick, some of us aren't so good at budgeting so if we use the debit card the money shows as "gone9quot; in our accounts. If we use the credit card, we might forget about the purchase and accidentally overspend that month. Nothing is worse than getting a much higher credit card bill than you were expecting because you forgot about some purchases!

I agree with NeoPatrick -- that's the way I do it, but I have the funds to take care of the balance once the bill arrives.

One way to never overspend when you use a credit card is make sure the cash is in the bank before you make a purchase. In other words use the credit card as others use a debit card. By looking at it this way you can pay the bill in full when it comes in and no harm done. Why not get the 5% cash back, air miles or what ever is offered. Its free.

Husband and I are both very good at "managing our charging" - but with joint checking account, debit card works best for us. That way I don't have to manage his charging or he mine - on-line banking lets us know the balance and avoid situations where he buys an expensive suit and I buy yet some more shoes in the same month.

I only use my credit card for car rentals and emergencies. Everything else is paid in cash (usually via debit cards). I like the control it gives me. If I have the money in the account, I buy it. If I don't, I don't. I also don't put all my paycheck into the checking account at once. I move it in stages so that I have to think before I buy something unplanned.

OK, I guess I now understand why some people like the debit cards -- it just doesn't make sense to me.

Gee, Patrick, that sounds a bit patronizing. I have eliminated credit cards and my husband and I recently made a switch to no credit cards in an effort to simplify, not because we don't have enough common sense to manage our money. My time is money, as I currently run two businesses. Not having to worry about statements and bills for my personal or business spending makes things easier all the way around. For both personal and business we use debit cards with miles. Everything is on one statement, easily exported to Quickbooks. My bookkeeper is happier and I have an instant and immediate handle on what is going where. It has nothing to do with spending until the card is denied or not being able to budget funds.

we're in our late twenties and are still climbing out of credit card debt leftover from our early 20's, so now that we're on track, we don't spend money we don't have- pay cash (debit) for everything unless it's an emergency or a really big purchase.

here today, then I certainly wasn't talking about you -- you offer some reasons valid for you. Perhaps my post was "patronizing9quot; but I'm sorry I just don't "get9quot; someone saying, "if I go shopping with a debit card and there's only $500 in my checking account then I know that's all I can spend, but if I have only $500 in my checking account, I'm unable to figure out that with a credit card I still have to limit my purchases to that same amount. But I do realize that if a person is unable to control spending only the amount of money they have, then perhaps the debit card IS a good idea. But I do understand it. It's not unlike an alcoholic who can't stop with one drink. I can. Some can't control their spending and need help also.

Another thing to consider. Some can not get or no longer can get a credit card for one reason or another. Their only option is the debit card or carry a wad of cash. I will not carry the debit card. Don't like the "credit9quot; feature offered with no pin required being attached to my bank account. I like the buffer a credit card provides since an unauthorized transaction is only against a credit line. I will use the old ATM card because of the pin requirement.

Neo - I think you meant me.

I have a VISA/Debit/ATM card. I disabled the VISA portion of the card because if lost, someone could empty out my checking account using the VISA portion without having to use a PIN. Also, when the VISA was activated, I used it in a couple of places where the charges were accidently run thru the machine twice. While I eventually got the duplicated debited charges from my checking account back, it was a pain in the arse getting it done.

Then you have an ATM card. Why not refuse the Visa debit card entirely and just ask the financial institution for The ATM card, that is what I did. Its used only at an ATM. Never for point of sales transactions. I use my credit cards same as most use a debit card, you are doing this when you pay in full each billing cycle.

NeoPatrick - I am fairly good at math and my memory has not started to fade yet. But between bills paid from checking account, purchases and cash withdrawels, husband and I have perhaps 40-50 transactions per month from checking account.

Gail, forgive me, but I guess that's the point I don't get. I think one of the things I don't like about debit cards is that you need to remember every transaction and go home and record it in your check book, to make sure you don't overdraw before a monthly deposit is made or base it on the day of the month of an automatic payment from the checking account. With all your monthly numbers, I'd think that would drive ME crazy, keeping track of the timing of it all.

Plus, I don't get why you'd have to remember to tell your husband how much you spent on the credit cards today, but you don't have to remember how much you spent on your debit cards. What's the difference? Assuming you have a computer you can also check either one anytime on line if you really forget.

Some people do things one way, and some people do things the other way. That's what makes the world go round. Rent a car with debit card no credit check

"Some people do things one way, and some people do things the other way. That's what makes the world go round."

Also what some people don't "get9quot; is that some of us are curious why people do things a certain way. I'm curious why people find it "easier9quot; to use a debit card rather than a credit card. That's why I keep saying "what am I missing?" Several have explained reasons why debit cards work for them. Perhaps I'll learn somehing I've missed. Is that a bad thing?

Well said Budman & ipod_robbie.

Neo - I understand your confusion.. maybe this will help.

NeoPatrick - I no longer keep a paper checkbook, do not write down anything - it is all on-line. I print it out so I can have a paper copy, but I am even considering stopping that as well. So when I log on, there is the exact amount I have in my account. It is easy to log on and stop in at the Fodorites Lounge at the same time.

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