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Get approved for auto financing in 3 easy steps

Over the past 30 years, car dealers enrolled in the Credit Acceptance program have approved nearly 3 million bad credit and first time car buyers for auto financing. Here's how you can get started!

  • Number One Icon

    Fill out this quick form to start your credit approval.

  • Number Two Icon

    Get connected with three local car dealerships enrolled in our program.

  • Number Three Icon

    Visit one to get approved for your next car!

  • Number One Icon

    Fill out this quick form to start your credit approval.

  • Number Two Icon

    Get connected with three local car dealerships enrolled in our program.

  • Number Three Icon

    Visit one to get approved for your next car!

 

It's time to get in the driver's seat

Whether you've had bad credit from a few bumps in the road on your financial journey or are a first-time car buyer with no credit, neither should stop you from getting approval to purchase a vehicle.

The Credit Acceptance program gives enrolled car dealers the ability to say 'YES' to every customer, regardless of your credit history. And, since we report to the three major credit bureaus, you can improve your credit with on-time car payments!

 

Customer reviews

  • Jaleise
    Detroit, MI

    When I got my first car, unfortunately I got into an accident with that car which caused me to file bankruptcy. Being able to get past all of this with bankruptcy, I'm thankful. And I'm more so thankful because Credit Acceptance allowed me to do that.

  • Lauren
    Cleveland Heights, OH

    Early in life when I was 18 I got offered a lot of credit cards, and I didn't really understand the importance of credit and the role it would play in my life today and ultimately destroyed my credit. The work that Credit Acceptance does is truly making a big impact on people's lives. It definitely made a big impact on mine.

  • Joe and Wendy
    Grass Lake, MI

    We needed a new car for our family, but didn’t believe anyone would give us credit. It meant a lot when Credit Acceptance gave us an approval for a reliable vehicle. Credit Acceptance treated us respectfully and with understanding to help us improve our financial (and emotional) situation.

  • David
    Flat Rock, MI

    When we got approved it had a positive impact for me. It was nice to know Credit Acceptance was willing to take a chance on us, and I really appreciate it.

  • Floyd
    Redford, MI

    Nobody really understands the struggle until you have to personally go through it. If it wasn't for Credit Acceptance, I can't say that I would be where I am today.

  • Leslie
    Roseville, MI

    I was happy to be financed. After a period of time and by making on-time payments, my credit score, it went up, and now it's at almost 700. I realize I'm blessed, and I am thankful for Credit Acceptance.

  • Mia
    Athens, OH

    Student loans can come back to bite you a little bit…Buying a car was nearly impossible…

  • Kyle
    Buffalo, NY

    After graduating high school, I knew I needed some type of transportation to get to and from college. I had no idea what a credit report was, or what my credit score was. I don't think I'd have what I have if it wasn't for Credit Acceptance offering me that hand. Thank you, Credit Acceptance, for giving people with no beginning a start.

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Car buyer resources

Valuable tools and resources designed to help car buyers with bad credit or no credit purchase a vehicle and learn more about building a positive credit history.

  • Q&A Icon

    Credit Q&A >
    Available payment options
     

  • Question Mark Icon

    Videos >
    Frequently asked customer questions

  • Document with a Checkmark Icon

    Blog >
    Information on credit scores for consumers

  • Q&A Icon

    Credit Q&A >

    Available payment options
     

  • Question Mark Icon

    Videos >

    Frequently asked customer questions

  • Document with a Checkmark Icon

    Blog >

    Information on credit scores for consumers