Car buyers with Bad Credit or No Credit 

Young man driving in new car

For car buyers with bad credit or first-time car buyers with no credit established, trying to obtain a credit approval can be difficult.

Here are a few things that dealers enrolled with Credit Acceptance offer:

  • Indirect auto financing.
    This allows you to apply for and secure your vehicle financing at a Credit Acceptance-enrolled dealer where you purchase the vehicle, rather than going through a financial institution such as a bank or credit union for an auto loan.

  • A network of trusted dealers in all 50 states.
    The Credit Acceptance program is used in dealerships across the nation, including independent and franchise car dealerships. After filling out this short form on our website, you will be connected with a participating dealer in your area who can offer you a credit approval.

  • Fast and easy approval.
    Dealers on the Credit Acceptance program can offer credit approval on new and used cars of all types, regardless of whether you have bad credit or no credit at all. Be sure to visit your local participating dealership to select a vehicle that works best for your needs and budget.

  • An opportunity to boost your credit score.
    Credit Acceptance reports to the three major credit bureaus — Equifax, Experian and TransUnion — giving you the opportunity to improve your credit score through on-time payments.


Find an enrolled dealer who can help you get started on your credit approval.