Credit Acceptance: We change lives!
Join the Thousands who have made the most of their Second Chance
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Existing Dealer 1-800-729-7633 Dealers Page
Prospective Dealer 1-800-873-0512 Become a Dealer
Existing Customer 1-800-634-1506 Customers Page
Prospective Customer - Find Your Credit Approval
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Hours For: Weekdays Weekends
Dealers 9am - 9pm EST Sat: 9am - 5pm EST
Customers 8am - 11pm EST Sat & Sun: 8am - 5pm EST

Holiday Schedule
May 30, 2016 (Memorial Day)
July 4, 2016 (Independence Day)
September 5, 2016 (Labor Day)
November 24, 2016 (Thanksgiving)
December 24, 2016 (Christmas Eve)
December 25, 2016 (Christmas Day)
December 31, 2016 @ noon EST (New Years Eve)
January 1, 2017 (New Years Day)
Corporate Headquarters
25505 West Twelve Mile Road
Southfield, MI 48034

How do I contact a Credit Acceptance representative?
You can reach a representative toll free at 1-800-634-1506 from 8:00 a.m. - 11:00 p.m. EST.

How do I get a payoff on my account?
Please call 1-800-634-1506 and use the automated phone system to get your payoff. The system is available 24 hours a day. You can also talk to a Credit Acceptance representative, they are available from 8:00 a.m. - 11:00 p.m. EST.

Can I get financed through a Credit Acceptance dealer-partner?
We have dealer-partners around the country who are enrolled in the Credit Acceptance program. We approve all customers submitted by our dealer-partners; however the decision to deliver a vehicle is the dealer-partners.

How can I pay online?
To make a payment, or set up recurring automatic payments, online click here.

What are my payment options?
We offer several payment options you may be able to take advantage of when making your monthly payment. To view the options, click here.

What is your payment mailing address?
Below is our official payment mailing address. For proper credit on your account, please be sure to include your payment coupon and your account number on your check or money order.

Credit Acceptance
P.O. Box 551888
Detroit, MI 48255-1888

Can I change my payment date?
Unfortunately payment dates cannot be changed as they are based on the original contract that was signed.

Does Credit Acceptance have a grace period?
No, you are required to make each payment on the due date specified in your contract with us. Payments received after the due date will be considered past due. Make payments on or before the due date to avoid collection activity and/or additional charges. If unforeseen circumstances prevent you from making payments on time, please notify us as soon as possible so arrangements can be made.

Can I refinance my vehicle?
Unfortunately, Credit Acceptance does not offer the opportunity to refinance your vehicle through our company. If your payment history has remained in good standing, you may have the opportunity to refinance through another financial institution, such as a bank.

I'm interested in learning more about your Guaranteed Credit Approval programs. Can I get some additional information?
YES! Simply call 1-800-873-0512 or complete the online inquiry form and we’ll put you in touch directly with your local Market Area Manager so that he/she can answer all of your questions.

Do you really offer Guaranteed Credit Approval?
YES! Our proprietary Credit Approval Processing System (CAPS®) gives you the opportunity to offer an approval to every customer you submit – in 30 seconds or less, on every used car on your lot, and sorted by highest grossing vehicles.

Can I become a Credit Acceptance dealer-partner without paying an enrollment fee?
YES! There are several enrollment options available to Credit Acceptance dealer-partners. Your local Market Area Manager can explain all of your enrollment options and help you choose the one that is best for you.

Can I get paid quickly on the contracts I write with Credit Acceptance?
YES! Once we receive a completed contract package (with many of the documents generated directly from CAPS®), we fund immediately. You can choose whether you want to receive your funds via electronic funds transfer or check.

What’s the difference between the Portfolio and Purchase Programs?
The Portfolio Program allows you to share the principal and interest of every payment collected, and receive an up-front profit based on risk.

The Purchase Program allows you to receive a higher up-front profit today, but you will not participate in portfolio profit down the road.

For more information on these programs, see the Programs section of the website.

Why do I need to be in the subprime market?
According to Equifax's March 2012 National Consumer Credit Trends Report, subprime borrowers now make up over 46 percent of the auto finance segment. You are missing out on the ability to sell to this growing market if you do not have the ability to say ‘Yes’ to everyone.

Why should I use Credit Acceptance when I could do Buy Here, Pay Here (BHPH)?
Many dealerships are considering BHPH but are skeptical due to the uncertainty of entering a new business and the costs associated with it. Our programs put you in a cash positive position at time of delivery, rather than putting most of your money “on the road.” We take care of the collection management and headaches so you can spend your time selling cars. In short, Credit Acceptance gives you all the benefits of BHPH, with none of the headaches.

How do I learn to maximize the power of Guaranteed Credit Approval?
With our program, we’re not successful unless you are. That’s why we provide you (at no cost) with both classroom and online training options through our Credit Acceptance University, where you’ll gain the knowledge and skills needed to maximize performance and profits with our Guaranteed Credit Approval program. For more information on these programs, see the Training section of the website.

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Complete this online form and we will get back to you as soon as possible.

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