How It Works

How the Frank Subscription works

Select a car, color and miles

Choose from the most popular models, colors and configurations from BMW to Toyota. All vehicles come in a mid trim level; no base models!

Select an exterior color from black, white, silver, gray or blue because, let’s face it, those are the colors most choose anyway. Interior color options are black, tan, beige and gray.

Select your miles: 833, 1,000 or 1,250 per month (equivalent to 10k, 12k or 15k annually). Frank offers Rollover Miles so unused miles roll over to the next month. If you go over in a month, you will be charged ($0.25 per mile).

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Subscribe today. Delivered tomorrow.

Subscribe online in about 5 minutes and have it delivered for free as soon as tomorrow.

A soft credit check and driving record evaluation are done to ensure you meet the minimum eligibility requirements of a 700 credit score and a generally clean driving record. This soft credit check will not affect your credit score.

To ensure you are properly covered, all customers get insured through Frank’s policy with Liberty Mutual. Pricing is based on your individual factors such as credit and driving record and is typically priced below a standard auto policy.

Once approved, select a window to have your vehicle delivered. Home Delivery is free for those within 50 miles of the major airport in each market. If you live farther away, you can pick it up for free or have it delivered for a fee

Keep it up to 3 years

If you want to change cars every few months or only need a car for the summer, we’re not your best option. But if you want a better new car for your budget, then Frank was designed with you in mind.

If life changes and you need to return the vehicle, simply pay the $495 restocking fee. If you keep it 3 years, that fee is waived. An activation payment also applies to each subscription, but it is waived for first time customers and waived again every 3 years. If you want to swap vehicles, you will be charged the restocking fee and the activation payment on the next vehicle subscription.

Why subscribe to your next car from Frank?


It’s cheaper because it’s easier.

By removing all the annoying things about car shopping that add cost with no value, a Frank subscription is a simpler and cheaper alternative to traditional car ownership.

No brick and mortar. No massive overhead. No variable pricing. No catch.

Save around 20% per month. Oftentimes, that appealing advertised price comes with a hefty down payment and a lot of fine print. That’s not very frank, is it?

With Frank, the monthly subscription price is the same for everyone and there’s no down payment.

Just like in a lease or purchase, tax and insurance cannot be avoided. To ensure you are properly covered, full insurance coverage is provided through Liberty Mutual and is typically priced below most personal auto policies.

All subscriptions include maintenance, registration, annual inspections, and full factory warranty. All vehicles come titled and registered so no trips to the DMV.

2021 BMW X3

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2021 Toyota Highlander XLE

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2021 Toyota RAV4 XLE Hybrid

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Frequently Asked Questions

Who is the Frank subscription for?
Frank is best for those who are looking to get the best possible car for their monthly budget and plan to keep it up to 3 years. Traditional vehicle financing typically requires a large down payment and other upfront fees. There is no down payment with a Frank subscription. The average auto loan now extends to nearly 70 months, resulting in many consumers being underwater on their vehicle and owing more than it is worth. Frank removes the burden of ownership with a simpler and cheaper way to get a car.
What's the catch?
There’s no catch. Frank removes all of the annoying things about getting a car that add cost with no value. No expensive brick and mortar, no wasted overhead, no ridiculous fees.
Is there a down payment?
There is no traditional down payment or cap cost reduction.
Can I return my car early or switch cars?

You can return your car anytime with 30 days’ notice. A restocking fee of $495 will apply. That fee is waived if you keep your car for the maximum period of up to 3 years.

If you would like to switch cars, the Restocking fee will apply and the $1500 Vehicle Activation payment on the next subscription cannot be waived. But please note that if you desire to frequently switch cars, there are better options for you than Frank. If you just want to refresh your car every 3 years, there is zero additional cost.

What are the eligibility requirements?
Customers must be 25 years of age with no DUIs, DWIs or reckless driving citations, with a minimum credit score of 700.
Where is the Frank subscription available?
Pennsylvania, Delaware, New Jersey and Florida. Additional states coming soon.