Get Pre-Qualified
How It Works

Paving the way to buying a car

Because we believe everyone deserves a chance, we help pave the way for credit-challenged buyers with an easy pre-qualification process, along with helpful tools and resources to help get you on your way.
We make the process as simple as possible:
Use our calculators to estimate your monthly payment or how much car you can afford.
Get pre-qualified with no impact to your credit.
Once you’re approved for pre-qualification, we’ll match you to 3 dealers who’ll work with your budget and needs.
Make your payments to Credit Acceptance—we have multiple ways to pay.

What's possible when you choose Credit Acceptance?


Financing for nearly any vehicle.

Participating dealers can offer an approval on new and used vehicles.

No-fee payment options.

AutoPay for no-hassle payments, by mail or in person.

Every customer can get approved.

Including customers with bad credit history, no credit, fixed income, unemployment income and more.

Rebuild your credit.

On-time payments may improve your credit score—we report to all 3 major credit bureaus.

Dealers in all 50 states.

A participating dealer will work with you to understand the type of vehicle you want and the budget you have to structure a contract that works for you.

Download the Credit Acceptance Mobile App

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Make on-the-go car payments.

Manage your account and make car payments securely from anywhere, any time.
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It’s secure.

Securely log into your Credit Acceptance account with fingerprint or face ID.
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Schedule payments.

Make payments online by scheduling one-time or recurring payments.
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It’s easy.

View current amounts and upcoming payment information.

Next stop: Articles from our Express Lane Blog

Can I buy a car after bankruptcy?
Although a bankruptcy stays on your credit report for seven to 10 years, it’s possible to get approved for financing….
Buying a car with bad credit or no credit.
While buying a car should be an exciting time for car shoppers, it can come with its challenges if you have bad credit or no credit…
Rebuilding your credit with bad credit history.
While some situations — such as car repossession, foreclosure, and bankruptcy — can cause your credit score to take a hit, there are effective ways you can rebuild your credit….