Pre-qualify for auto financing—no matter your credit.

GET PRE-QUALIFIED

We believe that auto financing should be for everyone. And over the past 50 years, we’ve helped more than 4 million people get a vehicle, even with bad or no credit.

Fill out our secure pre-qualification form in just minutes.

We’ll use that information to pre-qualify you without affecting your credit score.

See your pre-qualified monthly payment amount.

Knowing you’re pre-qualified and how much you’re pre-qualified for means you can feel confident when you walk into the dealership.

Get matched with 3 local dealers.

We’ll connect you with 3 nearby dealers from our network. If those don’t work out, don’t worry. We have 15,000 dealers in our network to choose from.

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Auto financing for everyone

We enable dealers enrolled with Credit Acceptance to approve everyone, including people with any of the following

  • Bad credit history
  • No credit history
  • No minimum credit score
  • Fixed income
  • Unemployment income
  • Multiple open auto loans
  • Multiple repossessions
  • Self-employed income
  • Temporary income
  • Bankruptcy Chapter 7
  • Bankruptcy Chapter 13 (with court/trustee approval)

Why over 4 million people have financed with us

  • We finance up to $70k
  • New or used vehicles
  • A network of dealers in all 50 states
  • Rates starting at 6.9% APR
  • Used car terms up to 72 months

GET PRE-QUALIFIED

What do I need to finance a vehicle?

  • There's no minimum credit score
  • You must be at least 18 years of age
  • You’ll need proof of residence, such as a bill with your current address
  • Pay stubs, bank account info, or other proof of income is needed
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Hear from real customers.

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See your maximum pre-qualified monthly payment.

GET PRE-QUALIFIED
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FAQs

How does Credit Acceptance work?

We’re an indirect auto financer. You don’t finance directly with Credit Acceptance. Instead, financing originates with a dealership in our network and that agreement is later transferred to us. We then service the account and collect your payment each month.

What does it mean to be pre-qualified from Credit Acceptance?

A pre-qualification is an initial review of your credit history and personal information, to see if you are likely to qualify for auto financing. A pre-qualification is a soft-credit pull, and is not a final guarantee of credit or approval (which can happen at a dealership in the Credit Acceptance network).

Why should I get pre-qualified before visiting a dealer?

By pre-qualifying before you visit a dealer, you’ll have the confidence to shop for vehicles with less worry about getting approved for financing. Our pre-qualification process also shows you a maximum monthly payment, which you can use to build your budget and determine how much you may be able to spend on a car.

Does prequalifying impact my credit?

No, because our pre-qualification is a soft credit pull it won’t impact your credit.

What is a soft credit pull?

A soft credit pull only looks up basic credit history and information, which doesn’t affect your credit score.

What is a hard credit pull?

A hard credit pull or hard inquiry happens when a lender requests your credit file from major bureaus to assess your creditworthiness and risk. Hard inquiries can lower your credit score temporarily, but their impact on your overall credit health is different for everyone.

Does financing a car impact my credit?

Financing a car may impact your credit, depending on your payment habits. For example, by making payments on time every month you may see an improvement in your score.

Do I need a down payment? When is it due?

In general, financing a car does require a down payment and usually the down payment is due at the time of purchase.

How much of a down payment do I need?

The amount of down payment depends on your budget. A minimum down payment will be determined once you have selected a vehicle from a dealership in the Credit Acceptance network.

Can I use a cosigner?

Yes, you can add a co-signer to your financing application, which a dealer in our network will submit once you’re ready to purchase a vehicle.

Can I use any dealer?

Credit Acceptance financing may only be used at a dealer in our network. But with over 15,000 nationwide, there’s a good chance multiple dealers in your neighborhood are in our network.
No, the 3 dealers we match you with during pre-qualification are just recommended dealers in your local area. To find more dealers in the Credit Acceptance network, call us at (800)-634-1506.

Can I use Credit Acceptance financing to purchase a car from a private seller?

No, because our indirect auto financing is only available through a dealer in the Credit Acceptance network. To find dealers, call us at (800)-634-1506.
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