It’s no secret that having a poor credit history can make getting
approved for financing difficult. Credit Acceptance believes everyone
deserves a second chance, which is why we enable dealers enrolled on
our program to approve everyone, including customers with bad credit
history or no credit history at all. Here’s how the program works.
Get connected with a dealer near you. Finding a dealer enrolled with Credit Acceptance has never
been easier. Simply enter basic contact information into a short
form, and your information will be shared with up to three car
dealers in your area who are able to offer you a credit approval,
even if you have bad credit or no credit at all. Click here to find a dealer on the Credit
Acceptance program near you.
Obtain credit approval for your next car. Once you get connected with a local Credit Acceptance
dealer, you can get started on your credit approval by applying for
and securing your financing at the dealership. Enrolled dealers have
the flexibility to approve customers with bad credit or no credit,
as well as those who have open Chapter 7 and 13 bankruptcies
(subject to Credit Acceptance’s funding standards). Contact your local dealer on the Credit Acceptance
program to learn more.
Select your car. Participating dealers can offer credit approval on new and
used vehicles of all types. This gives credit-challenged car buyers
the flexibility to obtain vehicle financing on a reliable vehicle
that best suits their needs and budget. The dealer will work with
you to understand the type of vehicle you want, as well as work with
your budget, to structure a contract that meets your needs.
Rebuild your credit with on-time payments. Credit Acceptance reports to the three major credit bureaus
— Equifax, Experian and TransUnion — giving car buyers the
opportunity to improve their credit scores and reestablish their
credit history through on-time payments.