Rent-to-Own Vehicle: The Way The Process Functions. When you have bad credit… You have one of three choices: borrow a car from a friend or family member, buy a car using a subprime auto loan, or rent to own if you have bad credit but need a car. Depending on household or buddies could be fine—until it really isn’t. If you’re stuck making use of a subprime loan, you will spend a greater price than somebody who has exceptional or…