A local library card is all I need to borrow free (I love free) audio books using the Libby smartphone app. My current car trip is giving me the opportunity to listen to the 14-hour, Robert Heinlein science-fiction classic, The Cat Who Walks Through Walls. I also have a hold on Heinlein's Stranger In A Strange Land, waiting for a copy to become available. This all works just like a trip to the library, but without the need to whisper.
This link will take you to the Dayton Metro Library's web site, where you can install Libby on Android, iOS or Windows Phone.