SOVA Automotive
Rent-to-Own
The path from renting to owning.
Drive & Own is our rent-to-own program. Apply, get approved, and start driving a vehicle you can work toward owning. No hard credit pull to apply. Military members and first responders get a discount on this program.
Apply
Call, walk in at 376 N. Witchduck Road, or send the short form below and we call you back.
Get approved
We go over terms, payment schedule and what you need to bring. No hard credit pull to apply.
Pick your vehicle
Choose from the vehicles available in the program — browse the list below.
Drive and pay
Make your payments on schedule and keep working toward owning the vehicle.
Drive & Own is separate from renting.
Payments on a standard daily or weekly rental do not apply toward owning a vehicle. Drive & Own has its own application, approval and terms. If owning is the goal, apply for Drive & Own directly — you don't convert a rental into one.
- Bring a valid driver's license.
- Bring proof of insurance for the vehicle you choose.
- Ask about the military and first responder discount — it applies to this program.
- Questions about terms? Call 757-586-4866 and we'll walk you through the numbers before you commit.
Send your info and we'll call you.
Prefer to talk? Call 757-586-4866 or stop by — we take applications in person every day, 9am–7pm.
Drive & Own
Estimate your weekly payment
Enter a vehicle price and what you can put down. Every Drive & Own vehicle lists its own price and down payment on its page.
The vehicle
Payment plan
Optional coverage
None of these are required to buy a vehicle or to be approved. You can buy the collateral protection coverage from any insurer you choose, or use comprehensive and collision coverage you already have. We go through what each one covers in person before you sign anything. Collateral Protection Insurance is priced per year of coverage, so a term longer than 12 months is billed for two years.
Discount
Active-duty military, veterans, police, firefighters, EMS and dispatchers get $250 off the vehicle purchase. Bring a military or department ID. Shown here as a reduction to the amount financed, which lowers the weekly payment. You can instead put it toward your down payment and bring $250 less at signing; the weekly payment then stays where it was.
One price, cash or financed. SOVA charges no interest and no finance charge on Drive & Own. The vehicle price is the same whether you pay cash or pay weekly, so the annual percentage rate is 0%.
The price does not include our $299 processing fee. It also does not include tax, title and registration, which you pay directly to the DMV.
This is an estimate, not an offer of credit. It is not a credit application and does not reserve a vehicle. Your actual price, down payment and payment come from the vehicle you choose and the agreement you sign. Collision and comprehensive coverage is required for as long as you owe on the vehicle.
Drive & Own Info
What are the requirements?
What you bring to signing:
Valid Driver’s License (Cannot be suspended, revoked, or expired)
Collision or Comprehensive Insurance
Down Payment
*Mileages may vary
Drive & Own puts you in control of your approval. Adjustable terms, manageable payments, and a quick process.
One price, cash or financed. The price listed on each vehicle is what you pay, whether you pay cash or pay weekly. There is no interest and no finance charge, so the annual percentage rate is 0%.
The price does not include our $299 processing fee. It also does not include tax, title and registration, which you pay directly to the DMV.
Your term runs from 12 to 72 weekly payments — 3 to 18 months, depending on the vehicle.
●First time buyer
● No Credit Check
● No minimum Residence Time
● No minimum Job Time (You need just one pay stub)
●We accept difficult-to-prove incomes:
- Social Security Income
- Disability Income
- Child Support Income
- Side-Hustle Income (Uber, DoorDash, Grubhub, etc.)