How to Rent a Car With Debit Card
You can rent a car with a debit card but check the rental agency's rules in advance to avoid problems at the counter. Car-rental agencies traditionally prefer a credit card for rental reservation and deposit because a credit card offers protection against loss of the rental vehicle. Despite the higher risk associated with debit cards, a prepared debit-card holder can typically rent a vehicle.
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Instructions
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Contact the car rental agency and ask for its policy on rentals with a debit card. Ask that the policy be mailed or faxed to you; you may also visit a rental location or the agency's official website to obtain the policy.
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Read the policy's age requirements. The minimum age for a debit-card renter varies but is typically about age 25. For example, Avis will not rent to debit-card users under 25.
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Check the policy for the maximum deposit and the length of time that the deposit is held. Car-rental agencies typically charge a higher deposit to a renter using a debit card; you will not get your money back after returning the car until your bank releases the funds. Deposit the maximum required amount into your debit-card account.
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Examine the policy for additional requirements for debit-card holders. For example, Budget may ask to run a credit report on debit users or ask for another form of identification, such as a copy of a recent utility bill in your name, a current auto insurance card and a pay stub. Locate at least two of these additional forms of identification.
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Go to the car rental agency with your debit card, your license and the extra forms of identification. When you ask for the rental forms, tell the clerk that you are using a debit card. Fill out the forms and give the clerk your debit card, your license and the additional identification. Ask for a copy of the rental agreement before leaving the agency.
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Tips & Warnings
The hold on deposit funds can be days or weeks, depending on your bank's policies.
