swapDrive

Buy your desired car without all the fuss about credit.

Drive while making your payments on time for 3 months and you get approved for financing. No credit needed, just your drivers license.

Find your desired car

Why choose swapDrive?

Don’t let your credit score stand between you and the freedom driving brings you and your family.
family
  • Get approved with no credit.

    Get approved for financing after 3 - 6 months of driving and making subscription payments on time.

  • Personalize your payments you can afford.

    We work with you to build payments and terms that fit your budget.

  • Build equity towards purchase.

    SwapDrive will credit your paid subscriptions payments towards the purchase payments.

  • Love it or return it.

    Get it delivered within 15 - 30 days and drive. If you don't love it, you can return or exchange it within 7 days.

Insurance Included

Service & Maintenance

24/7 Roadside Assistance

More driving. None of the stress.

family
How it works

Finance your desired car in 3 easy steps with no need for credit.

1

Find your perfect car

Select a vehicle from our inventory. Found one at your local dealership? Let us know and we can get it for you.

2

Personalize your payments

Submit your request and see your real monthly payments. Adjust terms to suit your budget. No credit necessary.

3

Prove you can make payments and get approved for loan.

Drive the vehicle while making subscription payments on time for 3 consecutive months and switch to financing.

We've got your desired car. Guaranteed.

If we don’t already have it in inventory, we’ll get it for you from your local dealership.

Commitment issues? No Problem.

We built swapDrive especially for you.

Multi-car garage, one monthly fee.

EV commuter? Roadtrip minivan? Access multiple cars from any make with our personalized multi-car subscription plan.

Right to change your mind, and your car.

Not what you expected? Your needs changed? Swap to another make/model or cancel at anytime at no cost.

Fell in love? Well, why not keep your car.

Buyout your car and we'll apply your previous subscription payments towards your purchase price.

Our method has been tested

5/5
“I wasn’t the biggest fitness guy, but thanks to MotivAQ I finally found an easy way to workout from home! The classes are easy to follow and go at a good pace.”
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5/5
“MotivAQ took me to the next level of my at-home exercising. The instructors are really top-notch, which is amazing considering the low cost of the classes!”
Terry Dennis
5/5
“Highly recommended! They have such a big variety of classes that I can always find something new and interesting for me based on what I’m in the mood for!”
Katy Gilmore

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 ?

Get payments terms tailored to your budget and needs so you can shot with confidence. There’s no impact on your credit score.

Get personalized loan terms

Know your monthly payment

Search vehicles in your budget

FAQs

What is Subscribe-To-Own option ?

Subscribe-To-Own™, is a program which allows you to get financing to purchase a vehicle without the need for credit. To get approved, you simply subscribe and drive the vehicle for 3 – 6 months while making your payments on time. Not all vehicles are eligible for Subscribe-To-Own. Some restrictions apply to Subscribe-To-Own.

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. 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.

How do I get my vehicle ?

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

How long before I have my car ?

You can typically have your car delivered within 14 – 30 days. Simply book online and we will prepare your vehicle for delivery right away!

How does Subscribe To Own it work?

The program includes 2 parts: 1. You subscribe for the 3 months. After 3 months, your subscription will be changed to financing, as long as you have been making your payments on time. We may require some applicants to subscribe for 3 – 6 months before they can be approved for financing.

Is there a down payment required ?

Yes, there is a security deposit typically equivalent to your monthly subscription fee. That security deposit is credited and applied to your loan as down payments once you switch from subscription to financing. The amount is determined on individual basis, so you’d need start yor application to see how much your deposit would be.

What's included in my subscription ?

Everything included – insurance, roadside assistance, maintenance are included during the subscription period, the initial 3 – month. All you have to do is put fuel or charge and drive.

Can I add an additional driver ?

Absolutely, doing so is free (up to 1 additional drivers) – never let anyone else drive the car without adding them as a driver first.

Is there a limit to mileage per month ?

During the subscription period i.e the initial 3 months, you are limited to the miles per month you selected when signing up. Once you switch to financing, there will be no mileage limits.

What vehicles can I chose from ?

We have many vehicles in our inventory, which includes SUVs, minivans, trucks, sedans, and even sports cars. If we do not have the vehicle you want, let us know and we can get it for you.

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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Access to API for custom integrations such as content activations.
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