You may be asking yourself – can you buy a car through Uber, or if not, is a car subscription worth it for Uber driving? Well, we can think of at least 16 factors you should consider before deciding between getting an Uber car through traditional car finance or Flexi own.

Before we discuss those 16 important factors of the subscription vs. car finance dilemma one by one, we attempt to give a short answer to the main questions:

Can you buy a car through Uber?

It’s a legitimate question – ridesharing wouldn’t be possible without a steady supply of good-quality cars. However, Uber is not a car supplier, nor do they have their own fleet. Drivers use their own cars, or they rent or subscribe to drive one for Uber.

Not everyone has a car that meets all the Uber vehicle requirements. That’s why they work together with so-called Uber vehicle partners to offer payment plans that suit an on-demand driver’s needs.

Is a car subscription worth it for Uber driving?

The short answer is yes. Thousands of people use a car subscription for Uber instead of buying or financing a car. In fact, according to a survey by, close to twice as many drivers would prefer to rent or subscribe for the car they use for ridesharing rather than buying one.

One of the major advantages is the freedom to change your mind: if you decide that subscribing to drive a car for Uber is not for you, you can hand it back after your minimum period.

The table below summarises the benefits of Splend’s Flexi own plan, compared to car finance. Click the items in the first column to read more:

Car finance Flexi own
Large deposit
Flexible contract
All applications considered
Replacement car
Scheduled maintenance
Maintenance pack
Car registration & CTP insurance
Loss & damage cover
Rideshare documents
Car inspection
Member benefits
Referral bonus
Business mentoring
Early buyout
24/7 breakdown assistance

1. Large deposit

We don’t charge a deposit, but we do charge a one-off, non-refundable joining fee when you sign up. Depending on the plan you opt for, this fee can range between $275 and $990. This, however, grants you access to dedicated support, member benefits, and additional income opportunities that make the investment more than worthwhile.

2. Flexible contract

When buying a car through traditional finance, you commit to a four- or five-year lease. We offer cars on flexible agreements. On the Flexi plan, you can provide your two-weeks’ notice after a minimum period of four weeks, and hand back the car after a total of six weeks. There are no exit fees to worry about.

On the Flexi own plan, you put these weekly payments toward owning your car within three to four years, depending on how much you drive. Just like on the Flexi plan, you have a lot of flexibility – you can hand the keys back after a 26-week period. If you return the car within the first 12 months of your Flexi own agreement, we charge a $500 return fee.

3. All applications considered

To be eligible for a traditional car finance approval, you need a lot of supporting documents. With a Splend car subscription, you’re always paying one week in advance, so you can even apply if you have bad credit.

4. Replacement car

We give you a replacement car* if you ever have an accident, so you can continue to work and earn while your car is being repaired.

*subject to availability

5. Scheduled maintenance

Any professional driver knows that if you take care of your car, it will also take care of you. That can be a hassle at times, but not if you are a Splend member. Just give your Member Success Representative a call, let them know what needs fixing, and they will set up an appointment for you at the nearest service partner.

The costs? That’s the best part, and it deserves a separate paragraph:

6. Maintenance pack

Some parts don’t last forever and need to be replaced periodically in order to meet roadworthiness standards, and not least for your safety. If you’ve ever owned a car you know that these can slowly burn a hole in your pocket.

The Flexi own plan includes the following parts over the length of your agreement:

  • 10 replacement tyres
  • 6 x 2 brake pads
  • 2 x 2 brake discs

7. Car registration & CTP insurance

All Splend cars have valid registration and CTP insurance cover. This is also a huge time-saver, not to mention that you’re covered if you ever have an accident.

8. Loss & damage cover

It’s in everyone’s best interest that you keep your car damage-free, but accidents happen. That’s why regardless if you choose a subscription plan or car finance, you’ll most certainly need a loss and damage waiver. With most traditional car finance options this means more costs and paperwork for you.

At Splend, both the Flexi and Flexi own plans include Loss and Damage cover, and we also take care of renewing it on time – saving you time and potential losses to penalty charges.

9. Rideshare documents

Each state has different rideshare regulations – you either need a special accreditation added to your driver’s licence, an additional safety certificate for your car, or both. Regardless of local specifics, they all have something in common: it takes time and costs money to obtain and renew these documents, reaching hundreds of dollars annually in some cases.

Splend’s support team processes all the necessary applications and we also cover the associated fees. All you have to do is make an appointment at your local Member Support Centre and sign up for the plan that best suits your needs.

10. Car inspection

All of our cars are roadworthy and inspected by Uber. They’re always ready for you to jump behind the wheel and start earning an income.

11. Member benefits

Being a Splend member means more than signing an agreement and subscribing to drive a car long-term. Apart from having your very own Member Success Representative to help you with everything from paperwork to data-driven feedback to maximise your earnings, you can also access a growing list of member benefits such as:

  • Health insurance
  • Tax and accounting
  • Money transfer
  • Car washes

12. Referral bonus

Driving a new-model car to earn a flexible income is just one part of the Splend experience. Did you know you can also supplement your rideshare income with referral bonuses?

In simple terms, you spread the word and we reward you with $150 off your weekly fee if you introduce us to your friends who are:

  1. new to Uber and want to sign up to drive
  2. new to Splend and want to drive a new-model car on a flexible plan

Of course, you can double your referral bonus for the same person if they sign up to both Uber and Splend using your unique referral code.

To sweeten the deal, your friend will also receive $50 off their joining fee if they sign up through your referral.

Read our post about the Splend referral program to find out more:

13. Business mentoring

Ridesharing is very similar to running a small business. It’s great, but it also comes with difficulties you may not have faced before, especially if you’ve been working nine-to-five prior to driving Uber. With Splend, you’re never alone. Our training sessions and one-on-one support will arm you with all the knowledge you need to be successful in your work and keep growing.

15. Early buyout

When you only have 12 months remaining on your Flexi own agreement, you can buy out the car and pay off the remaining weekly fees in one block. We won’t charge penalties, just a $110 balloon payment for signing the car into your name.

16. 24/7 breakdown assistance

These days it really takes one heck of a problem to get stuck on the side of the road, with most all insurance companies and car manufacturers offering breakdown assistance. The internet is also at your fingertips with dozens of third-party towing services just a web search away – the only question is, how much will an unplanned adventure like this cost?

With Splend you’re covered by default. Just call your Member Success Representative, and help will be on its way within minutes, free of charge.

How much does it cost?

This is the part where you normally brace for a nasty surprise, but this time you’re in for a pleasant one. Subscribing to drive a car for rideshare is not only more convenient than financing, but also cheaper.

Over a four-year period, you can save close to $2,000 on Splend’s Flexi plan compared to financing the same model, and this doesn’t even include your earnings that you’d otherwise lose while doing paperwork or when your car is off the road for maintenance. Go for our Flexi own plan and you can save up to $8,000, plus you drive away in your very own car.

About Splend

We enable people to make money by driving for on-demand apps such as Uber.

We’re more than a car subscription provider. In addition to new-model cars and all the essentials to start earning money with Uber as quickly as possible, our members enjoy driver training and dedicated support via a personal account manager, as well as member benefits such as partner discounts and exclusive events.

For more information about Splend, drop by to your local Member Support Centreemail us or say hello on 1800 775 363.