Most car rental companies in Toronto require a credit card for renting a car. This is because they use the credit card for security purposes and to cover any potential damages or additional charges.

When renting a car in Toronto, you will typically need the following documents:

• A valid driver's license from your country of residence
• A valid passport or identification card
• A credit card in the name of the main driver for the security deposit

Some car rental companies in Toronto may accept debit cards as a form of payment, but they may require additional documentation and have certain restrictions. It's best to check with the specific rental company beforehand to confirm their payment policies.

Car rental companies in Toronto typically offer the option to purchase insurance coverage, but it is not usually included in the base rental rate. It is recommended to carefully review the insurance options and consider your own coverage before making a decision.

The fuel policy for rental cars in Toronto may vary between companies. Some rental companies require you to return the car with a full tank of fuel, while others allow you to return it with the same amount of fuel as when you picked it up. It's important to clarify the fuel policy with the rental company before finalizing your reservation.

If you return the rental car late in Toronto, you may be charged an additional fee for each hour or day that it is late. The specific late return policy and fees vary between rental companies, so it's important to check their terms and conditions.

Most car rental companies in Toronto allow you to cancel or modify your reservation, but there may be cancellation or modification fees depending on the timing and terms of your reservation. It's best to review the rental company's cancellation and modification policies before making a reservation.