swapDrive

Buy your desired car without the hassle of financing, renting and leasing.

Test drive your desired car for as long as you want before you commit. When ready to finance, no credit is needed.

Find your desired car

Why choose swapDrive to buy your next car?

BYPEERS subscribe to own 

Skip the credit requirements of car financing.

At BYPEERS, we don’t care about your credit score. You have an income, you’re approved.

Stop throwing away your money with rentals.

With swapDRIVE, your previous payments are applied to paying off the car if you decide to keep it.

Don't be tied down by leasing commitments.

With BYPEERS, you can change your mind and return the car at any time with no financial penalties or early return fees.

Why choose swapDrive to buy your next car?

The better and smart way to buy a car, whether you have great credit or not.
  • Test drive your desired car for as long as you want before purchase.

    Experience exactly which of your desired cars fit your lifestyle before you decide.

  • Use our Non-Credit Financing or bring your own.

    Get approved for financing with no need for credit, and personalize payments that fit your budget.

  • Don't throw away your money rentals. Build equity towards purchase.

    Unlike rentals, your previous payments are applied to paying off the car if you decide to keep it.

  • Don't be tied down by leasing commitments.

    With swapDRIVE, you can change your mind and return the car at any time with no financial penalties.

  • Test drive your desired car for as long as you want before purchase.

    Experience exactly which of your desired cars fit your lifestyle before you decide.

  • Use our Non-Credit Financing or bring your own.

    Get approved for financing with no need for credit, and personalize payments that fit your budget.

  • Don't throw away your money rentals. Build equity towards purchase.

    Unlike rentals, your previous payments are applied to paying off the car if you decide to keep it.

  • Get the lowest priced vehicle from anywhere in the country.

    With our access to pretty much all vehicles available for sale, you can get to pick the one with the lowest price.

Insurance Included

Service & Maintenance

24/7 Roadside Assistance

More driving. None of the stress.

family
How it works

There is no better way to buy a car right now.

1

Select your desired car

Select the potential car for your lifestyle and budget from 3+ millions of vehicles across the country.

2

Test drive for months before you commit

Subscribe monthly and drive for as long as you want. Switch to another vehicle if needed.

3

Finance with no credit or bring your own

Once decided, use our No-Credit Financing (or bring your own), and we'll credit your subscription payments towards your purchase.

We've got your desired car. Guaranteed.

Through our dealer networks, we have access to almost every car for sale in the country.

Our method has been tested

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Start your journey with swapDrive.

Select your desired car

Start by picking your dream vehicle and location.

Submit your request

Submit your request, all you need is your driver license.

Drive away

We deliver the vehicle to your driveway or pick up locally.

Ready For Stress-Free Car Shopping ?

Whatever your car situation is, swapDRIVE has the perfect solution for you.

Car financing lenders giving you hard time about your credit ?

With swapDRIVE, you don't need credit, just your drivers license and income.

You just want to drive without the hassles of car ownership ?

Don't care much about scheduling oil changes or periodic maintenance? swapDRIVE takes care of all that.

Not sure which vehicle you want to commit to purchasing ?

Just drive your desired car for a while to see how it fits into your lifestyle before committing. If not, swap for the next one.

FAQs

What is swapDRIVE Subscribe To Own ?

swapDRIVE Subscribe To Own program enables you to get car financing without the need for credit. To get approved, you simply subscribe and drive the vehicle while making your payments on time.

Is credit required ? What are the requirements ?

No, you do not need credit to qualify for Subscribe To Own. You must be at least 21 years old and have a verifiable income. You must also have a valid and current driver license from any state in the United States. We do not accept provisional or temporary license.

Why should I use swapDRIVE to buy a car if I have credit ?

We think that 20 minute-around-the-block test drive is not enough to commit the second highest financially important decision in most people’s lives. Therefore, swapDRIVE enables you to test drive your desired car for as long as you want while performing your real-life tasks to see how it fits in your life before you commit. Once you decide on a vehicle, your paid subscriptions will be applied to your purchase price, that way you are not losing money. You can also bring your own external financing if do choose.

How do I get my vehicle ?

We deliver vehicles to any state in the United States, including Hawaii and Alaska. Once your application is approved, our concierge team will contact you to confirm the dates selected.

What if I want to buy a new car ?

You can subscribe and test drive a used car of the model you want, if available. Once you are ready to commit, we will swap you to your new car as you switch to financing.

Is there a security deposit or down payment required ?

Security deposit is not always required. Whether it is required or not, and how much is determined once you complete your application. Security deposit covers unforeseen costs related to the vehicle if you decide to return it. It is eventually applied to your purchase price as part of your down payment to pay off the vehicle.

What's included in my test drive subscription ?

Everything included – insurance, roadside assistance, maintenance are included during the subscription period. All you have to do is put fuel or charge and drive. Once you convert to financing, you will need to get your own insurance, maintenance, and roadside assitance.

Can I add an additional driver ?

Absolutely, you may add one additional driver. Never let anyone else drive the car without adding them as a driver first. Additional drivers must be approved first.

Is there a limit to mileage per month ?

During the test drive subscription, you are limited to the miles per month you selected when signing up. Going over those miles will incur additional fees as described in the plan you select. Once you convert to financing, there will be no mileage limits.

What if I do not see my desired vehicles in your inventory?

We have access to pretty much any vehicle available for sale through dealership network. And our subscription vehicles inventory is growing. If we do not have it in stock, we’ll get it for you.

How long will I have to pay off the car ?

The maximum term (in months) to pay off the car car is determined per each car. You will see it when you select a car. You can choose to pay a higher amount a month to finish paying off the car sooner if you so choose. 

Can I use the vehicle for rideshare ?

You may use the vehicle for whatever you want once you convert to financing. However, you may not use the vehicle for any rideshare or any service that involves carrying passengers while you are still making payments.

Will the car come with local plates ?

During subscription period, typically, our vehicles come with registration plates from any state. Once you convert to financing, you will register the vehicle in your state and get your own plates.

Am I allowed to modify the vehicle ?

You may not modify or alter the vehicle during subscription period. After financing, we may allow minor cosmetic additions/alterations but you would need written permission prior to having those changes/installations done.

plan comparison

Compare plans side-by-side

Select a plan that’s right for your business. You may cancel, upgrade or downgrade at any time.

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