Let’s start driving possibility together.
At Credit Acceptance, we think everyone should be able to purchase a new or used vehicle as quickly and as easily as possible. Which is why, instead of seeing poor credit or no credit as a roadblock, we see possibilities of getting you into the right car for you and keeping you on the road.
We don’t view bad credit as a detour.
Even if you’re rebuilding credit, you can pre-qualify for auto financing before you head to the dealership.
Here’s what Credit Acceptance can do for you.
If you’re having trouble getting approved for auto financing with no credit or bad credit, a dealer enrolled with us can help you.- 1We allow dealers to approve 100% of their customers.
- 2You can find participating dealerships in all 50 states.
- 3Calling your participating Credit Acceptance dealership ahead of your visit may help facilitate the financing approval process.
- 4Finance a new or used vehicle — all types work on our program.
- 5Shop according to your needs and your budget.
- 6Making on-time payments can build your credit—we report to all 3 major credit bureaus.
Do you have an ITIN number?
Even without a driver’s license or SSN, you can pre-qualify and get approved for financing with an Individual Taxpayer Identification Number.
Auto financing with an ITIN number.
Dealers enrolled with us have the flexibility to approve customers with ITIN numbers or international bank accounts, subject to Credit Acceptance’s funding standards.- 1We allow dealers to approve 100% of their customers.
- 2You can find participating dealerships in all 50 states.
- 3Finance a new or used vehicle — all types work on our program.
- 4Shop according to your needs and your budget.
- 5Making on-time payments can build your credit—we report to all 3 major credit bureaus.
With Credit Acceptance, these benefits go along for the ride.
Our dealers can approve everyone.
Bad credit, no credit history, fixed or unemployment income and more—dealers enrolled with Credit Acceptance are able to approve everyone.
Multiple ways to pay.
Whether it’s online, our Mobile App, by mail or in person, we offer a number of easy payment options to fit your needs.
Build up your credit.
When you make on-time payments, every time, you maximize the opportunity to improve your credit score. Plus, we report to all 3 major credit bureaus.
U.S. Based Customer Service Center
Contact us at 800.634.1506, Monday—Friday, 8 am to 11 pm Eastern Time and Saturday and Sunday from 8 am to 5 pm Eastern Time.
Financing for new and used cars.
Whether it’s that new car smell or used car charm, our enrolled dealers can finance both.
Resources to help you budget and build credit.
From taking control of your finances to achieving long-term stability, our Financial Education resources can help you get on the road to success.
Welcome to our Car Buyer Resource Center
We’ve got valuable tools and resources to help buyers purchase a vehicle and learn about building credit. Check out our videos, blog articles and educational courses.
Videos
What’s Your Story? Bad credit.
How to Improve Your Credit: Paying Down Debt.
How Does the Credit Acceptance Financing Process Work?
Articles
How to Buy a New or Used Car with No Credit and No Cosigner.
Can I Buy a Car After Bankruptcy?
Questions to Ask Yourself During Your Car Search
Tools to help you calculate your car payments.
Before you start looking for a vehicle, it’s a good idea to calculate what fits within your budget. Our calculators can help you estimate quickly.
Monthly Car Payment Calculator
Here’s an easy way to estimate the monthly payment on your vehicle.
Auto Affordability Calculator
How much car can you afford? It takes just a minute to find out.
What drives customers to Credit Acceptance?
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.
JALEISE
DETROIT, MI
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.
LAUREN
CLEVELAND HEIGHTS, OH
I was able to finance the car my wife and I fell in love with; and through on-time payments boost my credit at the same time. I would not have been able to make this purchase without Credit Acceptance.
ROSS
YONKERS, NY
Over 50 years of saying "yes"
A little over 50 years ago, Credit Acceptance was founded by car dealer Don Foss who felt everyone deserved an automobile, along with a way to finance one. Since then, we have welcomed 15K+ dealers into our network and have helped finance 4MM+ consumers. Got a minute? Watch the video.
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