Q: How is a car subscription different from long term car rentals or short term car leases?

Unlike short-term car leases or long-term rental cars , we don't require a down payment and we cover the cost of insurance, registration, repairs, maintenance, and roadside assistance. The main difference between a car subscription and a car rental is the duration. There's generally a maximum length for a rental term, ranging from a couple of weeks to several months, whereas car subscription services are designed to offer you flexibility and carry on for as long as you need. A car lease on the other hand is based on a long-term, fixed contract that lasts up to five years. Leasing also comes with additional costs that are not factored into the initial price, such as insurance, maintenance, repairs, and roadside assistance. With a FINN car, your subscription is all-inclusive. At the end of your subscription term, you can switch to another FINN car or simply walk away.

Q: Is there really no down payment?

There’s no down payment . When you order your car, simply pay your first monthly fee. Your vehicle subscription does not begin until you receive your car. All you have to do is connect your credit card, debit card, or bank account for one all-inclusive monthly price. A refundable deposit may be required in certain circumstances based on your credit score.

Q: My monthly car payment seems lower than this. How do you work out the cost?

We understand how much really goes into car ownership , and we want to make it as effortless as possible — and that goes for the costs, too. Traditional vehicle ownership requires a substantial down payment, regular maintenance, insurance, and roadside services, among other unexpected occurrences. When you consider all of the factors that go into purchasing a car, your monthly subscription price with FINN covers it all — one payment, one partner for all of your vehicle needs.

Question 1

What is a car subscription?

Accepted Answer

A car subscription is a simple way to enjoy the freedom of a new car without having to deal with the hassle of insurance, maintenance, and paperwork. Simply choose your car, mileage package, and subscription length and FINN handles the rest.

Unlike car leasing or buying, your transparent monthly fee includes everything you need to hit the road: insurance, maintenance, registration, and emergency roadside assistance. We remove the costs and complexities of traditional car ownership, which enables us to offer low monthly payments and subscription terms as short as 6 and 12 months, compared to a minimum of 24 months with leasing. You don't actually own the car subscription service, just as you don't own the car if you're leasing.

With FINN there’s no down payment, no stressful negotiations, no confusing paperwork, no hidden fees, and no long contracts. Enjoy all the freedom of a new car for 6 or 12 months while FINN owns all the insurance, maintenance, and paperwork. Just hit the road – and swap it when you’re done.

Question 2

What does a car subscription offer?

Accepted Answer

A car subscription offers you a simple and smooth driving experience without the hassles that are associated with car ownership. By removing worry about insurance rates, maintenance costs, and depreciation, we offer a stress-free experience. After just six months to a year, we make it easy to return your vehicle and get into a new one!

Your FINN car subscription includes:

Comprehensive Insurance
Routine maintenance
24/7 roadside assistance
Vehicle registration
Vehicle titling

Question 3

How is a car subscription different from long term car rentals or short term car leases?

Accepted Answer

Unlike short-term car leases or long-term rental cars, we don't require a down payment and we cover the cost of insurance, registration, repairs, maintenance, and roadside assistance.

The main difference between a car subscription and a car rental is the duration. There's generally a maximum length for a rental term, ranging from a couple of weeks to several months, whereas car subscription services are designed to offer you flexibility and carry on for as long as you need. A car lease on the other hand is based on a long-term, fixed contract that lasts up to five years. Leasing also comes with additional costs that are not factored into the initial price, such as insurance, maintenance, repairs, and roadside assistance. With a FINN car, your subscription is all-inclusive.

At the end of your subscription term, you can switch to another FINN car or simply walk away.

Question 4

Is there really no down payment?

Accepted Answer

There’s no down payment. When you order your car, simply pay your first monthly fee. Your vehicle subscription does not begin until you receive your car. All you have to do is connect your credit card, debit card, or bank account for one all-inclusive monthly price. A refundable deposit may be required in certain circumstances based on your credit score.

Question 5

My monthly car payment seems lower than this. How do you work out the cost?

Accepted Answer

We understand how much really goes into car ownership, and we want to make it as effortless as possible — and that goes for the costs, too. Traditional vehicle ownership requires a substantial down payment, regular maintenance, insurance, and roadside services, among other unexpected occurrences.

When you consider all of the factors that go into purchasing a car, your monthly subscription price with FINN covers it all — one payment, one partner for all of your vehicle needs.

Question 6

Where does FINN deliver?

Accepted Answer

Currently, our delivery radius covers all of Connecticut, Maine, Maryland, Massachusetts (Boston), New Jersey, New York, Pennsylvania (Philadelphia), Rhode Island, Vermont, Virginia, and Washington, D.C..

Question 7

Can I register additional drivers with my car subscription?

Accepted Answer

Yes, FINN subscribers can add one additional driver to their vehicles. Additional drivers must be at least 25 years old, have a valid driver’s license, and fulfill all of the same driver requirements as primary drivers (subscribers).

Please note that only immediate family, spouses, and members of the subscriber's household may be registered as additional drivers, with exceptions being granted in rare circumstances pending case-by-case approval. They’ll need to pass an MVR check and be at least 25 years old, but we won’t check their credit.

Question 8

How does insurance work?

Accepted Answer

FINN's third-party insurance coverage plan offers a $300,000 combined single-limit coverage on physical damage and bodily injury. This coverage applies across all states we currently operate in. Our subscribers are responsible for a $1,000 deductible.

For more information regarding what to do in the case of an accident, please see our Insurance & Coverage page.

Question 9

How do I return my FINN car?

Accepted Answer

About 4 weeks before your subscription ends, you will receive an email from us where you can select your preferred return method.

When returning your FINN vehicle you will have two options:

Have it picked up from your front door for a $199 one-time fee
Drop it off at one of our compounds for no additional cost.

Normal vehicle wear and tear is included in the cost of your subscription. After the subscription has expired, dents that have to be repaired, scratches that have to be painted, or chips that require repair will be charged. For damage that we can handle through the third-party insurance (such as replacing the windshield), a maximum of $1,000 deductible applies per claim.

Find your perfect car with a FINN car subscription

Update to our Customers

What is a car subscription?

All-in coverage

6 or 12 month subscriptions

Incredibly simple

How does a car subscription work?

Meet your perfect car

Get approved in a few clicks

Enjoy doorstep delivery

Just hit the road and swap when you’re done

How does a car subscription work?

Meet your perfect car

Get approved in a few clicks

Enjoy doorstep delivery

Just hit the road and swap when you’re done

Subscribers love FINN

“Never would I have imagined that getting a car would be as easy as ordering something online”

Raven

“It took me 2 minutes to find the car that I wanted”

Ian

"Honestly the best thing I've ever found online. There's no catch."

Nino

“Never would I have imagined that getting a car would be as easy as ordering something online”

Raven

“It took me 2 minutes to find the car that I wanted”

Ian

From the FINN car subscription blog

What Credit Score Do You Need to Buy a Car?

How Much Does It Cost to Lease a Car?

What Is the Residual Value on a Car Lease?

Can You Trade in a Leased Vehicle?

Questions to Ask Before Leasing a Car

How Long Can You Get a Car Loan For? Things to Consider Before Applying

How to Negotiate a Car Lease

What Credit Score is Needed to Lease a Car?

How to Lease a Car Online in 2023

Should You Lease and Then Buy a Car?

FAQs about car subscription plans

What is a car subscription?

What is a car subscription?

What does a car subscription offer?

What does a car subscription offer?

How is a car subscription different from long term car rentals or short term car leases?

How is a car subscription different from long term car rentals or short term car leases?

Is there really no down payment?

Is there really no down payment?

My monthly car payment seems lower than this. How do you work out the cost?

My monthly car payment seems lower than this. How do you work out the cost?

Where does FINN deliver?

Where does FINN deliver?

Can I register additional drivers with my car subscription?

Can I register additional drivers with my car subscription?

How does insurance work?

How does insurance work?

How do I return my FINN car?

How do I return my FINN car?