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Auto Loans for Car Sharing

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I'd like to get some insight since I couldn't really find much on this topic. Basically what auto loans allow participation in car sharing? I spoke to a USAA representative about a loan and they mentioned to me last minute that the loan would not be permitted for car sharing services like Turo. So right now I'm looking at alternatives, such as DCU. I applied through Tesla financing but wasn't approved, probably because I've never had the need to pull an auto loan in the past.
 
Most financing agreements will say you can’t lease the vehicle. The definition of lease in that instance is the next question. Does Turo fall under that category? I don’t know if there is any legal precedent to say if that is technically leasing. Regardless, between personal comprehensive insurance and Turo insurance you should be covered.