Build Equity. Build Credit.
No hard credit pulls! We only need a consecutive 6-month, on-time rental history, no matter which compan(ies) you rented from, to prequalify.
GET PREQUALIFIED
We accept different proofs of income that other lenders don’t, making it easier for drivers to get approved.
Prequalify Today
How It Works
Unlike traditional lenders, ACC uses a specialized Path to Ownership™ system to tailor loans by using a 6-month, on-time rental history, no matter which compan(ies) you rented from, to qualify. With financing for even non traditional payments like Venmo or Cash App, we work with all types of drivers nationwide.
Find your Vehicle
Our dealers have a wide variety of vehicles. Select what you’re looking for.
Select the dealership
A list of dealerships that are local to you will show up. Click on the Prequalification link and it will go to that dealer’s form.
Complete the PQR™ Form
The Prequalification (PQR™) form takes about 3 minutes to complete. We’ll ask for your name and information, driving history and some other details. As long as you have six (6) straight months of on-time rental payments, no matter which compan(ies) you rented from, you can prequalify. We use Plaid, a system that will connect you with information from your bank. It is secure and a standard qualification platform used by banks and this is how we determine your eligibility.
Meet the Dealer
The dealer will call you to set up an appointment once you prequalify.
Start Driving
Once approved, you can start earning more, building credit and have something show for your hard work.
Informational Videos
Step-By-Step Video on Getting Prequalified
Watch this step-by-step video on the simple and easy prequalification (PQR) application process.
We work with dealers all over the country.
FAQs (Frequently Asked Questions)
If you do not see your question here, ask our Chatbot below or drop us an email at info@accconsumer.com.
What is the PQR™ and how does it work?
The PQR™ (Pre-Qualification Request) is a simple 4-step form that helps you get prequalified for vehicle financing — without a hard credit pull. Just visit accconsumer.com/search, select a dealership and a vehicle, and complete the short form. If approved, you’ll receive a prequalification certificate to bring to the dealership.
What do I need to qualify for ACC financing?
You’ll need at least 6 consecutive months of on-time rental history (even if it’s with different rental companies), a valid driver’s license, proof of income, and a willingness to drive for a rideshare or delivery platform. No hard credit check is required to apply.
What is Plaid and why do I need to use it?
Plaid is a secure service that connects your bank account to verify your income and payment history. It’s how we confirm your rental history and financial activity quickly — without needing physical paperwork. ACC never sees your login information, and your data is encrypted and protected.
What happens after I submit the PQR™ form?
Once you submit your form, our specialized software automatically makes a determination in minutes by verifying your rental and income history. If approved, you’ll get a notification to bring with you to the dealer and finish the purchase!
Do I need to be a current renter or can I already own a car?
You can be a current renter, owner, or currently financing — as long as you’re an active gig driver (rideshare, delivery, etc.) and meet the rental history requirement. The PQR™ is designed to help gig drivers move into ownership, whether you’re renting now or ready for your next car.
How long does the prequalification process take?
The PQR™ form takes just a few minutes to complete, and most drivers receive a response within 1 business day. If additional info is needed, we’ll reach out directly to guide you through the next steps.
Will this affect my credit score?
No — filling out the PQR™ does not result in a hard credit pull. We use your rental and income history to determine eligibility, not your credit score.
Can I choose any car I want?
You can browse available vehicles at participating dealerships through our website. Your prequalification will be specific to the dealership and vehicle you select during the PQR™ process. If you change your mind, you can start a new PQR™ at another dealership.
What if I don’t get approved right away?
If you don’t meet the requirements yet, we’ll let you know why and provide suggestions on how to qualify in the future — like building up your rental history or verifying consistent income. You’re welcome to reapply once those steps are met.
How is ACC different from traditional lenders?
ACC specializes in financing for gig drivers — not traditional car buyers. We understand your unique income and work patterns, and we’ve created tools like the PQR™ and Path to Ownership™ to make the process simple, flexible, and fast — without hard credit checks or outdated requirements.
Get Prequalified Today.
Stop losing money by renting. You owe it to yourself to start owning your vehicle and getting the most out of your hard earned money.
