How Can I Rent a Car If I Am in Chapter 13?

Filing a Chapter 13 bankruptcy disrupts many aspects of life. You are not eligible to have credit cards or apply for new ones. This makes renting a car difficult, but not impossible. There are rental agencies that rent cars to those with debit cards and a high available balance or those who accept a large cash deposit. Be prepared to do a little leg work when trying to rent a car when you are in Chapter 13.

Things You'll Need

  • Debit card
  • $500+ extra dollars
Show More

Instructions

    • 1

      Compile a list of car rental agencies in the area you wish to rent. Use phone books or online search engines to get car rental business information. Dollar Rent a Car has a rental policy for those using debit cards.

    • 2

      Call several branches of the same company if there are more than one in the area. Policies differ from branch to branch and you may get lucky with one when another says no.

    • 3

      Call your debit card company and find out what their rules are regarding holds and blocks for rentals such as cars. Be prepared to have up to $500 placed on hold as a deposit. Ask how long it takes for the hold to be released once the car is returned. Be prepared to wait up to 30 days for the funds to be released.

    • 4

      Carry proof of address when renting a car without a credit card. Some rental agencies require proof of address from those renting without credit cards. Bring a current utility bill with your address and name on it as well as your driver's license and debit card.

    • 5

      Bring up to $500 extra if a rental agency accepts cash deposits. When you find a agency that will rent without debit or credit cards, such as Rent-a-Wreck, ask how much of a cash deposit is required and bring it with you.

Copyright Wanderlust World © https://www.ynyoo.com