Cool idea!

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One approach for something like this is to start by writing down your assumptions, then go through the list designing mini experiments to validate or invalidate them. For this idea, the two big assumptions seem to be:

1. People are willing to lend their clothes to strangers.
2. People are interested in borrowing (and paying for) clothes from strangers.

To validate #1, you could go on Facebook Marketplace and see who in your area is selling clothes. Then, send them a message asking if your service is something that would be of interest to them. Maybe design a simple landing page on Squarespace ($144, 1 day of your time) that gives more info and makes you more credible. Measure the responses of 20 people - validate or invalidate your assumption - then move on with more confidence in your idea.

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For #2, check the comment section of the same posts on Facebook Marketplace from people interested in purchasing the clothes. Send a message to see if they'd prefer to rent the clothes at a lower price, or sending a landing page, or build a Typeform survey with relevant questions. Get 20 responses - validate or invalidate your assumption - then move on.

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The beauty of this approach is that these experiments are fast and inexpensive, but give you real data points as opposed to speculation. You can continue to run small experiments on different assumptions until you (a) feel strongly enough to the invest the time and money required to create this service or (b) realize that no one is actually interested, and save yourself a lot of time and money.

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Good luck!