You're More Than A Score

Credit Acceptance dealers can work with variety of credit situations and scores.

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1. Credit Acceptance offers indirect auto financing. Simply put, this means that you apply for and secure your financing at the dealership where you purchase the vehicle, as opposed to a direct auto loan that you get directly from a financial institution, such as a bank or a credit union. Credit Acceptance does not provide financing directly to consumers or for private vehicle sales.
2. Dealers enrolled with Credit Acceptance can approve consumers with temporary and ITIN income, open Chapter 7 and 13 bankruptcies (with court/trustee approval), and existing car loans, subject to Credit Acceptance’s funding standards.
3. Most contract terms, including minimum down payment amount, monthly payment, and the payment due date are set by the dealer and will vary based on the dealership you visit and the vehicle you select. The dealer will work with you to understand the type of vehicle you want, as well as work with your budget, to structure a contract that meets your needs.