COVID-19 Update: We are here for you.


Credit Acceptance is working hard to ensure you continue to have access to the account services you need.

The safety and well-being of our customers and team members are a priority for us. In this regard, we have successfully enabled our account representatives to work from home. Our team members remain available to provide you any account support you need.

We also want to encourage our customers to exercise social distancing and not venture out to make payments whenever possible. Keep in mind that payments can be made online or over the telephone, 24 hours a day.

How to make a payment

  • If you have a Customer Portal account you can use it to make payments and to access your account 24/7. Click here to log into your Portal Account.
  • If you do not have a Customer Portal account, you can set one up so you can make payments. Click here to create a new Portal Account.
  • You can also make a one-time payment online without a portal account. Click here to make a one-time payment.
  • If you would like to make a payment over the telephone, call 1-800-634-1506. You can make a payment 24 hours a day using our automated phone system, or with the assistance of an agent during the following business hours:
    • 8:00 a.m. – 11:00 p.m. ET, Monday through Friday
    • 8:00 a.m. – 5:00 p.m. ET, Saturday and Sunday

Economic impact payments

The United States Treasury has announced that it will soon begin to provide economic impact payments (stimulus payments) to eligible individuals. The amount of these payments could be up to $1,200 for individuals, or up to $2,400 for married individuals who filed joint tax returns. For more information on these payments, including information you can use to determine whether you are eligible and the amount of any payment you may receive, please visit this Internal Revenue Service information page:

If you filed tax returns in 2018 or 2019 and are eligible, you likely won’t have to do anything to receive a payment. It will be sent to you by mail, or if you previously provided direct deposit information to the IRS, the payment will be deposited into your bank account.

  • If you didn’t file a tax return in 2018 and 2019, but you have a tax filing obligation, the IRS urges you to file as soon as possible to receive an economic impact payment. To receive the payment via direct deposit, you should include direct deposit banking information with your return.
  • If you filed a tax return in 2018 or 2019 but did not provide direct deposit information with your return(s), you can receive a payment more quickly by providing direct deposit information to the IRS. Visit this IRS website to submit direct deposit information:
  • If you don’t typically file tax returns, check the IRS website linked above to determine your eligibility and next steps.

To track an economic impact payment, visit this IRS website:

The Consumer Financial Protection Bureau (CFPB) has additional resources to help you understand and claim economic impact payments. Visit:

The CFPB prepared a video to assist non-tax filers to claim a stimulus payment. Visit:

Information for customers impacted by COVID-19

If you are having trouble making the payment on your car due to the impact of COVID-19, please call one of our account representatives at 1-800-634-1506. We will do our best to make payment arrangements that fit your current financial situation.

NOTICE: Please be patient. Our account representatives are here to help. However, call volume is high and it is taking us longer than normal to get to all calls. Thank you for your understanding.

Although Credit Acceptance is unable to support payment deferrals, and your payments will continue to be due on your scheduled monthly due date, we are assisting impacted customers by taking special measures to minimize the impact to a customer’s credit history. We will report your account to the credit bureaus during the months you are impacted with the status your account was in when you notified us that you were impacted by COVID-19, essentially freezing the status of the account. We will also report a special code that indicates your account has been affected by a declared disaster.

We will resume normal credit reporting on October 1, 2020. If you have past due payments, you are encouraged to bring your account current as soon as possible, but not later than October 1, 2020. If your account is past due and is not brought current by October 1, 2020, we will report the appropriate delinquent status at that time. For customers whose credit reporting was frozen, your payment history will show a “D” during the months credit reporting was frozen, which indicates that no information is available for that reporting period.

If you are a resident of AK, AL, DC, IL, MD, MA, MS, NY, NV, SC, or TX, we will resume normal credit reporting after October 1, 2020. We will send you a communication telling you exactly when we will resume normal credit reporting.

Please review the FAQs below for additional information.

FAQs for customers impacted by COVID-19

Q. What does it mean to have my credit reporting frozen?

A. During the time you are impacted by COVID-19 we will continue to report the status your account was in at the time you notified us that you are impacted. For example, if your account was reported as current when you notified us, it will continue to be reported as current, even if you do not make a payment. However, if your account is being reported with a frozen delinquent status and you bring the account current while you are impacted, we will report the current status. As of October 1, 2020 (or after October 1, 2020 for customers in the states listed above), your account status will no longer be frozen, and the account will be reported with the status your account is in at that time. Even after the account status is unfrozen, the payment history will show a “D” during the months credit reporting was frozen.

Q. When will reporting on my credit be frozen and how long will it stay frozen?

A. We will report the frozen status of the account in the next monthly reporting period immediately after you inform us that you have been impacted. We will resume normal credit reporting on October 1, 2020 (or after October 1, 2020 for customers in the states listed above).

Q. Will freezing the reporting in any way negatively impact my credit score?

A. The purpose of freezing your account status while you are impacted is to help reduce the negative impact to your credit. However, each credit reporting agency considers different factors in determining your credit score, not just your account status with Credit Acceptance. Please contact the appropriate credit bureau for specific questions relating to your credit score.

Q. If I wanted the freeze to be removed from my credit report, can I do that?

A. If you would like the freeze to be removed from the credit report, please call one of our account representatives at 1-800-634-1506 and state that you no longer want to have your credit report frozen. Our account representative will take steps to remove the freeze and the special code indicating you have been affected by a declared disaster. We are unable to retain the special disaster code if the reporting freeze is also removed.

Q. If I wanted the freeze to remain on my credit report, but I want the special code removed indicating I have been affected by a declared disaster, can I do that?

A. If you would like the freeze to remain on your credit report, but you want the special code removed, please file a dispute by completing and submitting to us the dispute form on our website.

We will continue to monitor the situation carefully and will adjust our policies as needed. Please continue to visit this COVID-19 page for further updates and information.

Additional assistance

If COVID-19 is causing a significant financial stress on you and your family, you can consider the assistance of a reputable credit counseling organization to help you with a budget. The Consumer Financial Services Bureau has information on credit counseling at

Finally, if you’re considering working with a debt settlement company, the CFPB also advises to be skeptical of any company that promises to help you in exchange for an upfront fee.

Be aware of online scams

Please be extra vigilant about online scams trying to exploit COVID-19. The Federal Trade Commission has tips for avoiding COVID-19 scams on their website at

CDC updates

For current information on developments related to COVID-19, visit the Centers for Disease Control and Prevention website at