Do You Need a Credit Card to Rent a Car?

Are you thinking about hiring a car?
Did you know that you’ll need a credit card to rent a car with many companies? This is usually to secure a deposit against damage to the vehicle or to cover the cost of the rental (other payment methods may be available).

In our guide, thimbl explores hiring a car both in the UK and abroad.

Do you need a credit card to rent a car in the UK?

You may need a credit card to rent a car in the UK, although this will depend on the company you choose. Some car hire companies may consider other payment methods.

Can you rent a car with a debit card?

Some companies accept debit card payments, while others will ask you to use a credit card instead.
If you’re unsure which payment and deposit methods are accepted, it’s a good idea to check the car hire company’s website or contact them directly.

Do you need a credit card to rent a car abroad?

You could be asked to provide a credit card when renting a car abroad, but again, this will vary depending on the company you use. You should also be aware that when hiring a car abroad, you’ll need comprehensive insurance cover and possibly an International Driving Permit (IDP), depending on your destination.

Car hire payment methods

Can I hire a rental car without a credit card?
Wondering which car hire companies accept debit card payments?
We’ve put together the table below to provide some key payment information for a range of popular car rental companies.

Information correct as of November 17, 2025.

The thimbl Credit Builder Credit Card

Looking for a credit card? The thimbl Credit Builder Credit Card could be an option if you’re hoping to build and improve your credit score.

1. The thimbl credit card comes with a manageable starting credit limit between £200 and £2,000.
2. With responsible use, the thimbl credit card could help to improve your credit score.
3. Your thimbl credit card can be managed easily on the Zable app.
4. You won’t be charged a fee when using your thimbl credit card overseas.*

Please note that credit builder credit cards are most effective when used alongside other credit-building methods, such as paying your bills on time and registering to vote at your current address.

Can I check my eligibility for a thimbl Credit Builder Credit Card?

You can check your eligibility for a thimbl credit card if you:

• Are between the ages of 18 and 70;
• Are a UK resident with at least 1 year's UK address history;
• Have a monthly net income of at least £800;
• Have an active credit account that has been open for a minimum of 12 months; and
• Do not already hold a Zable credit card.

Lendable Ltd is unable to consider applications from anyone who has declared bankruptcy or is in an Individual Voluntary Arrangement (IVA).

Find out if you’ll be accepted before you apply for your thimbl. Credit Card

• For all credit levels, from poor to excellent
• Checking won’t affect your credit rating
• 48.9% APR Representative (variable)

Check my eligibility

Could I use a thimbl credit card to hire a car?

You could use your thimbl credit card to hire a car both in the UK and overseas, providing that the cost is within your credit limit.
As mentioned, the thimbl credit card can be used in many countries without incurring any added fees.*
Remember, you should never spend more money than you can afford to repay.

Before you hire a car…

There are several things you should consider before you hire a car.

1. Do your research. Look into different companies and compare prices to ensure that you get the best deal. Sites such as KAYAK and Skyscanner can compare car hire costs in a range of locations both in the UK and overseas.
2. Check the car hire company’s terms and conditions so you know which documents you’ll need to provide; for example, you may need to show your passport.
3. Whether using a credit or debit card, you’ll need to make sure that the card is registered in the main driver’s name.
4. Ensure you have enough money to cover the cost of the car hire. If using a credit card, it’s vital to make sure that you do not go over your credit limit – that’s the amount of money you’ve been approved to borrow on your credit card.

Car hire: how does it work?

The process of renting a car will vary between companies, but typically, you could expect the journey to look a little like this:

• Browse the company website or visit a centre in person to choose your vehicle.
• It’s a good idea to familiarise yourself with the company's terms and conditions, including the documents you’ll need and the payment options available.
• If applying online, you will need to select a pick-up time and location. You’ll meet with a company representative who’ll need to see your driving licence and any other documents. If you’ve hired the car in person, your documents will be checked before you’re able to take the car.
• The next step will be to sign the rental agreement. At this stage, you’ll pay the car rental deposit and fee.
• If the vehicle is returned in the same condition it was hired in, your deposit will be refunded.

I’m worried about money; what can I do?

If you’re struggling with your finances, please consider contacting any of the following charities and organisations for free, confidential advice: StepChange, MoneyHelper, Citizens Advice, and National Debtline.

*Certain countries are exempt. For a full list of countries excluded from the no-fee overseas spending, please click here.