Path to Ownership Program

TripCity has partnered with ACC Consumer Finance to help gig drivers become vehicle owners.

Long-term TripCity renters now have an opportunity to buy a car through ACC's dealer network by simply using their rental payment history, with no impact to their credit score.

The program is currently available in the following cities: Los Angeles, San Diego, San Francisco, Atlanta, Washington DC, Baltimore, and Philadelphia.

Click below to sign up and drive your way towards vehicle ownership!

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TripCity | Path to Ownership

How does it work?

Start Your Journey

Rent a vehicle for a total of 180 days with TripCity. This can be done through multiple rentals.

Get Pre-Qualified

Head over to ACC's website to choose your local car dealer and submit a pre-qualification form.

Choose Your Car

Once approved, you can schedule a time with your local car dealer and pick out your car. 

*Note: All vehicles are purchased through ACC Consumer Finance's dealer network. TripCity does not sell vehicles. 

See what customers are saying

"Just a few simple steps with ACC and now I can own a car for the first time."

Yogi C., DoorDash Driver

Yogi with car-1

"I rented for six months and now I get to own a brand new car. It was hassle-free!"

Norell O., Uber Driver

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TripCity-ACC Logo

From Renter to Owner

This partnership is built to reward dedicated drivers. After 180 days of renting through TripCity, you become eligible to transition into vehicle ownership with the help of ACC - turning your rental history into a stepping stone for ownership.

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Credit-Friendly Financing

ACC doesn’t rely on traditional credit checks. Instead, they focus on what matters - your rental payment history and gig economy earnings, giving more drivers a fair shot at financing a vehicle.

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Seamless Data Verification

Thanks to integrated technology like Plaid, ACC securely verifies your earnings and rental history. That means less paperwork, faster pre-approvals, and a smoother path to your new car.

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Network Built for Gig Drivers

TripCity provides thousands of rental vehicles, while ACC offers access to a growing network of dealerships with new and used vehicles, including EVs. Together, we’re making vehicle  ownership more accessible and achievable for gig economy workers.

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Path to Ownership FAQs

How do I apply?

Once you've reached 180 total rental days with TripCity, simple visit ACC's website and follow their ‘pre-qualification request’ process. 

Choose your dealership of choice, fill out your application form, and get a decision in minutes to your email. 

How do I become eligible to apply?

ACCs path to ownership application process is eligible to all drivers who have rented for 6 months or longer through the TripCity marketplace. 

The Path to Ownership Program is designed to reward long term, dedicated, gig economy drivers by using their rental payment history as a primary consideration for approving an auto loan. 

Can I apply without renting?

The program is designed to help long term renters become vehicle owners. The rental payment history is a key part of the application process. 

If you haven’t rented, you can rent through TripCity to start your path to ownership.

How is the Path to Ownership Program different to any other lender?

ACC exclusively finances gig economy workers.

Unlike most traditional financing companies, ACC wants to see long term activity and earnings within the gig economy. 

What type of vehicles are available for purchase?

ACC has a network of dealerships in their portfolio that offer a wide variety of vehicles for you to purchase. 


ACC’s financing requirements are that the vehicle is either new or up to 3 years old with under 30,000 miles. All purchases need to be completed through a registered ACC dealer partner.

Why do I need to connect my bank account through Plaid on the application form?

ACC uses the industry leading software Plaid to verify your rental payment history and gig economy earnings digitally, so that there is no need to manually provide that proof when completing your purchase.

If I buy a car through the program, can I work for any gig economy company?

Yes! That is entirely up to you! 

Do I need money down at signing?

ACC requires 5% cash downpayment. However, many new vehicles have rebates that can help reduce that amount due at signing. 

Can I put $0 down?

5% of the amount financed is due at signing, however, please ask your dealer of choice about this as some vehicles have great rebates that can help you.

Is this a vehicle purchase or a lease?

It is a vehicle purchase, leases are not available. 

What will the payments on the loan be?

Payments are made weekly, not monthly. The payment itself will depend entirely on the vehicle you choose to purchase 

Build Equity & Earn More.

Start using your rental history to build credit and become eligible for vehicle ownership!