When it comes to buying a car, choosing the right dealership can make all the difference. However, sometimes when you have challenged credit — or no credit history at all — you don’t always have the luxury of choice.

Fortunately, there are over 15,000 independent dealers in Credit Acceptance’s nationwide network who are willing to help you get into a reliable vehicle. Here’s what to expect:

1. There are a variety of dealer types

The Credit Acceptance network is made up of:

• Independent used car dealers who serve local communities with pre-owned vehicles

• Franchise dealerships of well-known national brands

• Buy Here Pay Here (BHPH) lots, which offer in-house financing, even to those without established credit

2. They’re easy to find

Credit Acceptance makes locating a participating dealer simple. Just use our website’s dealer finder tool to search by zip code, city, or street address. We’ll show you:

• Dealerships near your location

• Each dealer’s website

• Contact information

• Directions to the dealership

This tool is the most reliable way to confirm whether a dealer participates with Credit Acceptance. While some dealerships may display Credit Acceptance signage or mention our relationship on their website, the locator ensures accuracy.

3. They’re open to working with you

A major advantage of the Credit Acceptance network is the dealer’s ability to approve customers for financing regardless of their credit history. This includes individuals with bankruptcies, repossessions, or no established credit history.

Each dealer in our network manages its own inventory, pricing, and service approach, but all enrolled dealers can:

• Review financing options for customers regardless of credit history

• Offer same-day auto financing approvals and funding in many cases

• Help with the paperwork and process of applying for financing through Credit Acceptance.

As a result, buyers can count on a more inclusive and accessible car-buying experience — even if they’ve struggled to get approved elsewhere.

What to do before you head to the dealership

Before visiting Credit Acceptance’s website to find the dealers near you, we encourage you to get pre-qualified first (if you already haven’t). Getting pre-qualified will give you an idea of the amount you may be able to borrow.