You can rent a car and pay with cash, but your options are more limited and require extra steps compared to using a credit card. Major rental companies like Enterprise, Hertz, and Avis typically require a credit card for the security hold and will not accept cash or debit cards for the initial rental transaction. Your best bets are local independent rental agencies and some budget franchise locations (like certain Budget or Payless locations), which are more likely to have cash-acceptance policies, though they will still require a substantial cash deposit and thorough verification of your identity, insurance, and return travel plans.
The primary reason companies prefer credit cards is the security hold (also called an "authorization"), which is a temporary block of funds on your card to cover potential extra charges like fuel, tolls, or damage. When paying cash, this security hold is replaced by a significant cash deposit, which can be hundreds of dollars and is refunded only after the car is returned and inspected.
If you need to pay cash, follow this plan:
- Call Ahead: Never assume a location accepts cash. Policies vary even within the same brand. Call the specific rental office directly to confirm their policy.
- Prepare Documentation: You will need to provide a valid driver's license, proof of insurance, and often proof of a return flight or onward travel.
- Understand the Deposit: Be prepared to leave a cash deposit, which can range from $200 to $500 or more, on top of the rental cost. Ensure you get a detailed receipt.
The table below compares the general policies of different types of rental services regarding cash payments.
| Rental Service Type | Typical Cash Policy | Estimated Cash Deposit Required | Key Requirements |
|---|
| Major National Brands (Hertz, Enterprise) | Generally Not Accepted for initial rental; debit card may be possible with stringent checks. | N/A | Credit card mandatory for hold. |
| Budget Franchises (e.g., some Budget, Thrifty) | Sometimes Accepted at specific corporate-owned or airport locations. | $300 - $500 | Proof of insurance, return travel, major debit card. |
| Local/Independent Agencies | Most Likely to be Accepted; these businesses often cater to local customers with alternative payment needs. | $200 - $400+ | Driver's license, proof of residence, detailed insurance verification. |
| Ride-Sharing Rental (e.g., Uber Hertz) | Not Accepted; requires connected credit/debit card for the app. | N/A | Active ride-share driver account, pre-linked payment method. |
Ultimately, while possible, renting a car with cash is an inconvenient process designed for customers with established credit. Using a debit card, if you have one, will significantly expand your options, though a security hold will still be placed on the funds in your bank account.
