Path to Ownership Program

TripCity has partnered with ACC Consumer Finance to offer long term, dedicated gig economy drivers the opportunity to become a vehicle owner.

Long-term Trip City renters may qualify to buy a car through ACC’s dealer network using their rental payment history..

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 minimum of 180 days with Trip City. This satisfies the threshold to apply, but does not guarantee pre-approval.

Apply To Get Pre-Qualified

After meeting the minimum rental history requirement head over to ACC’s website to submit your pre-qualification request. 

Get A Decision

If pre-approved, an ACC enrolled dealership will help you take the next step and find a car.

*Note: If pre-approved, all vehicles must be 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

Dave_Image
*Individual results vary - meeting the 6-month threshold does not guarantee approval.
TripCity-ACC Logo

From Renter to Owner

After 180 days of renting, you become eligible to apply for the transition to vehicle ownership with ACC - turning your rental history into a stepping stone for ownership.

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Credit-Friendly Financing

ACC’s pre-approval program prioritizes rental history and gig earnings more than traditional credit reports. Giving more drivers an opportunity to pre-qualify. 

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Seamless Data Verification

ACC can verify your gig earnings digitally, all you need to do is sync your gig accounts during the application. 

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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

When can I apply for the Path to Ownership program?

You need at least six months of rental history to apply. Keep in mind, six months is just the minimum to start the process — drivers with longer and consistent rental history are generally stronger candidates.

I’ve rented for 180 days (about 6 months) but I got declined — why?

Six months allows you to apply, but it does not guarantee pre-approval. Applications are reviewed case-by-case, and a longer history usually strengthens your profile.

Next Steps: Continue renting, keep your payments on time, and consider reapplying after 9–12+ months of consistent history.

What makes me more likely to be approved?

A longer, consistent rental history is the biggest factor. On-time payments and responsible vehicle use also help strengthen your application.

Does the car I rent matter for Path to Ownership?

No specific vehicle is required, but maintaining steady history with the same rental company or within the program can help demonstrate consistency.

If I get declined, can I reapply?

Yes. Many drivers are approved after continuing to build more rental history. We encourage you to stay consistent, and you’re welcome to reapply once you feel ready.

What type of vehicles are available?

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


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.

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. 

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!