Purchasing a reliable vehicle with bad or no credit isn’t as troublesome as you might expect. Especially when you have access to Credit Acceptance’s flexible financing options, which are designed to meet you where you are. With our national network of more than 15,000 dealerships, you could be driving off in your new vehicle sooner than you expect!

Step 1: Get pre-qualified online

The process begins with a quick pre-qualification on the Credit Acceptance website. In just a few minutes, you’ll get an estimate of the maximum monthly payment you’re likely to qualify for. This pre-qualification gives you a clear understanding of your budget and can help guide your search for the right car.

Once you’re pre-qualified, Credit Acceptance matches you with up to three participating dealerships in your area. These are dealers who already work with us and understand how to support buyers with a wide range of credit profiles.

Step 2: Connect with participating dealers

The next step is to visit or contact the matched dealers. You can also use the dealer locator on our website to explore additional options. All dealerships in the Credit Acceptance network are ready to help buyers who may have poor credit, no credit, or even a history of bankruptcy or repossession.

Dealerships in the network include:

• Franchise dealers that offer new or certified pre-owned vehicles from major manufacturers

• Independent dealers who typically focus on a wide range of used vehicles

• Buy Here Pay Here dealers that often provide in-house financing and work with credit-challenged buyers

Step 3: Select the ideal vehicle for your budget

Credit Acceptance finances both new and used cars, and there are generally no strict limitations on age or mileage. Dealers in our network can even help you browse available inventory based on your estimated monthly payment and financing eligibility.

Step 4: Go through the approval process

You’ll submit a full credit application at the dealership and may be asked to provide documentation, such as proof of income, residence, or insurance. While your pre-qualification is a helpful starting point, final approval depends on verifying your details and selecting a vehicle that fits within your finance terms.

Start your search today

Credit Acceptance is committed to making car ownership accessible and achievable. So, if you’re looking to finance a vehicle now, you’ll want to see what amount we can pre-qualify you for. And the easiest way to find out is by getting pre-qualified through our online tool.