Rent to Own Cars

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Rent to Own Auto Financing

If you're experiencing bad credit issues, you're not alone. Many dealers and lenders realize that not all car buyers have great credit and have created lending programs that serve credit-challenged borrowers. One of these is called rent to own auto financing, where you'll rent the car for a fixed amount of time, and then own the vehicle once the term is complete. If you're looking for a rent to own car dealership in your area, we want to help you out. At Auto Credit Express, we work with a nationwide network of dealers that specialize in handling unique credit situations, so let us connect you with one today!

Special Financing
Special Financing

What are Rent to Own Cars?

Rent to own cars are vehicles that you rent for an agreed upon amount of time, make payments on, and can purchase at the end of the term. When considering a rent to own car, keep these five things in mind:

  • No Credit Check on Rent to Own Cars - Rent to own dealers don't generally run credit checks, which allows people with bad credit to finance a car as long as they make a qualifying income.
  • Vehicle Selection - Because rent to own lots aren't associated with new car dealerships, you'll find that vehicle selection will generally be limited to older used models.
  • Down Payment Requirement - You'll be required to put money down on a rent to own vehicle. Make sure you budget for one and ask the dealer how much you'll need.
  • Ownership - Because you don't own the car during the rent to own term, you'll generally have to pay title and license fees at the end of the term to claim ownership.
  • Lack of a Warranty - Most rent to own cars won't come with a warranty. Unless you purchase a used car service contract, you'll have to pay for all repairs.

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Rent-to-Own Cars vs. Leased Cars

The biggest difference between car leasing and renting to own cars is that at the end of the rent to own contract you will own the car. Rent to own auto financing is sometimes called lease to own. Despite using the word "lease" to describe the arrangement, it's very different from new car leasing. Here are a few of the major differences between rent to own cars and leasing used cars:

Ownership at the End of the Contract

With a rent to own program, you agree to make payments for a fixed term and then own the car outright at the end. The only difference from a traditional auto loan is that the dealership holds the vehicle's title until you pay off the loan, after which they'll transfer it to you to complete the terms of the financing contract. With a conventional lease, you don't own the car at the end of the term, though you do have the option to purchase the vehicle at lease end for a fixed price.


Rent to Own Cars with No Credit Check

You typically have to have good to great credit to qualify for a lease, that's not the same for rent to own cars. Rent to own cars with no credit check are available and are designed for bad credit car buyers. Rent to own car dealerships near you typically finance in house, meaning they base an approval on your income instead of your credit score.


Rent to Own Vehicles

Conventional leasing is typically for new vehicles, while rent to own cars are generally used. If you finance through a rent to own auto dealership, you'll have to choose from the vehicles on the dealer's lot that you qualify for.

Advantages of Rent to Own Cars

There are many benefits to rent to own car financing programs when you have bad credit. These loans are designed for people who need a vehicle but are struggling with the challenges of getting approved from regular and subprime lenders. With a rent to own car, these worries melt away. Here's why:

  • Vehicles on rent to own lots typically cost less than cars that can be financed from a traditional dealership.
  • Payments are usually due in person on a weekly or bi-weekly basis at the dealership, which means a receipt and the peace of mind that your payments are being made on time. It also means payments are flexible for just about any budget.
  • There's usually no credit check required on rent to own cars, which makes getting approved easier.
  • If you meet all the requirements, you can usually drive away in a vehicle the same day you visit the dealer.

Disadvantages of Rent to Own Cars

Rent to own car programs, like other financing options, also come with disadvantages. Whether they outweigh the advantages depends upon your situation.

  • Lenders that don't check your credit are less likely to report your payments to the credit bureaus. This means your loan won't help you improve your credit score.
  • Making payments in person isn't always convenient, especially if you don't live close to the rent to own dealership.
  • Vehicles are typically older used models with higher mileage compared to what you'll find at a traditional car lot.
  • Rent to own terms are generally shorter than bad credit auto financing, which can lead to higher payments.
  • Rent to own car financing typically comes with high interest rates.

If getting a vehicle as soon as possible with no credit check is a priority, rent to own auto financing may be right for you. The only way to know for sure is to weigh all the pros and cons, and decide if having a vehicle now is more important than building your credit through subprime auto financing.

Rent to Own Car Dealerships Near You

Nobody said finding a rent to own car dealership near you was going to be easy. That's where Auto Credit Express comes in. We have a nationwide network of dealers that specialize in special financing cases, much like yours. A rent to own car dealership is very similar to in house financing car dealers in that they provide much, if not all, of the financing for a rent to own car on their own. They do not rely on third party lenders like banks, credit unions, or others. This means they typically offer no credit check rent to own cars which allow buyers who are facing credit challenges a better chance at getting approved for a rent to own car.


If you're looking for a rent to own car dealership near you then submit a rent to own request and Auto Credit Express will connect you with a local rent to own car dealership near you. Understanding special finance and rent to own cars doesn't have to be hard, that's why we are here to help.

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