does turo do credit checks

When it comes to renting a car through Turo, one of the questions that often arises is whether or not they conduct credit checks. In order to provide you with a clear answer, we’ll dive into this topic and explore the credit check process (if any) involved with renting a vehicle through Turo.

The Credit Check Process

Turo, as a car rental service, does indeed conduct credit checks on potential renters. However, the specific criteria and requirements may vary depending on the country and the individual host’s preferences. It is important to note that the credit check is not done by Turo directly, but rather by a third-party provider they work with.

Here’s an overview of the credit check process and some important factors to consider:

  • 1. Authorization: When you sign up for Turo and provide your personal information, you give your consent for Turo to request a credit check.
  • 2. Third-Party Provider: Turo partners with various third-party providers who specialize in credit checks and have access to the necessary databases.
  • 3. Credit Score Evaluation: The third-party provider will evaluate your credit score based on factors such as your payment history, credit utilization, length of credit history, and any negative marks (such as bankruptcies or outstanding debts).
  • 4. Decision-Making: Your credit check results will determine whether you are eligible to rent a car through Turo. If your credit score falls below the minimum requirement set by the host or if there are other concerns flagged during the check, your booking request may be declined.

It’s important to keep in mind that Turo hosts have the final say on whether to accept or decline a booking request. While credit checks are a common practice, some hosts may have different criteria or may choose not to rely heavily on credit scores when considering potential renters.

Factors That May Influence Credit Checks

Several factors can influence the credit check process for Turo rentals. Here are some important considerations:

  1. Rental Location: Different countries or markets may have varying credit check requirements due to legal or regulatory differences.
  2. Host Preferences: Turo hosts have the flexibility to set their own criteria for renters, which may include minimum credit score thresholds or other considerations.
  3. Trust and Verification: Turo provides hosts with various tools and features to enhance trust and verification, including the ability to require additional information or documentation from renters.

By taking these factors into account, Turo aims to create a reliable and secure platform for both renters and hosts, ensuring a positive experience for everyone involved.

Understanding Credit Check Results

After the credit check is performed, you may wonder what the results mean and how they can impact your ability to rent a car through Turo. Here is a summary of possible outcomes:

Credit Check ResultExplanation
ApprovedYour credit check meets the host’s requirements, and you are eligible to rent a car through Turo.
PendingFurther review is needed, and the host will make a decision after evaluating additional information or documentation you provide.
DeclinedYour credit check does not meet the host’s requirements, or there are other concerns that prevent the approval of your booking request.

It’s worth noting that a declined credit check result does not necessarily mean that you won’t be able to rent a car through Turo. You may still have the option to provide additional information or discuss alternative arrangements with the host.

Alternative Options for Renters

If your credit check results turn out to be less than ideal, don’t worry! Turo recognizes that credit scores don’t always reflect a person’s ability to be a responsible renter. They offer an option called “Turo Go,” which allows hosts to rent out their vehicles without requiring a credit check. Turo Go incorporates technology that enables renters to unlock the car using their mobile devices, making it convenient and accessible for those who may not meet traditional credit check requirements.


So, does Turo do credit checks? The answer is yes. Turo uses third-party providers to perform credit checks on potential renters, although the specific requirements may vary. Credit checks play a role in determining eligibility and ensuring a secure rental experience. However, Turo also offers alternative options like Turo Go for individuals who may not meet typical credit check criteria. If you’re looking to rent a car through Turo, be prepared for a credit check, but remember that it’s not the only factor hosts consider when deciding to approve or decline your booking request.