YOUR MOST COMMON
QUESTIONS ANSWERED

To make a payment, or set up recurring automatic payments online click here or go to https://www.creditacceptance.com/make-a-payment.

We offer several convenient payment options for making your monthly payment. To view the options, click here  or go to https://www.creditacceptance.com/make-a-payment.

Below is our official payment mailing address. Please be sure to include your payment coupon and your account number on your check or money order.

Credit Acceptance
P.O. Box 551888
Detroit, MI 48255-1888

The payment dates cannot be changed as they are based on the original contract that was signed. Additionally, making a payment arrangement does not change how we report to the credit bureaus. Any monthly payment unpaid more than 30 days after the payment due date listed in your contract will be reported as delinquent.

No. You are required to make each payment on the due date specified in your contract with us. Even if you make a payment arrangement, payments received after the due date listed in your contract will be considered past due, and any monthly payment unpaid more than 30 days after the payment due date listed in your contract will be reported as delinquent. If unforeseen circumstances prevent you from making payments on time, please notify us as soon as possible.

Once a payment is submitted, you will receive an on-screen confirmation. If you would like, you can print the confirmation receipt.

Once a payment is submitted, it will be posted to your Credit Acceptance account. However, this does not mean that the payment has been processed with your financial institution or card issuer. Payments are usually processed within 2 business days, but you will need to confirm with your financial institution or card issuer that the money has been withdrawn from your account.

Review all payment options and fees here: How to Make Your Credit Acceptance Payment.

Payment can be made using an debit card or with a bank account (savings, checking, or money market).

• The debit card option has pictures of common cards used, such as Mastercard, Visa, and Discover. These payments can only be made by cards that are designated as a debit card or a pre-paid card (no credit cards will be accepted). 

Call Credit Acceptance at 1-800-634-1506 to report the issue. Be prepared to provide the following information:

• Your Name
• Account Number
• Device Brand and Model Number
• Operating System and Operating System Version
• Browser and Browser Version

At this time, you cannot look up your payment history. If you would like details regarding previous payments, a Credit Acceptance Representative can provide you with those details over the phone at 1-800-634-1506.

You have the option to make a one-time payment through the portal (detailed below) or through the guest payment option (detailed in the question Can I make a payment without logging into the customer portal?).

1. Sign into the Customer Portal
2. Click the Pay Online (or One-Time Payment, if currently enrolled in AutoPay) link in the Payment section of the home screen.
   Desktop view:
   
   Mobile view:
   
3. Select a payment method.
   • If your are first time user, click Add New Payment method.
   • If you are a returning user, you can either add a new payment method or select a payment option that has been used before.
     
   • Payments can be made using a debit card or bank account (through the ACH payment option).
   • For debit card payments, you will need the card number, expiration date, zip code, CVV, and card holder name.
     
   • For ACH payments, you will need the routing number, type of bank account (checking, savings, or money market), account number, and account holder name.
     
4. Click Next Step.
   
5. Complete the required fields on the Payment Information window.
   1. Choose a Payment Date.
      Note: Bankruptcy accounts cannot have future dated payments.
   2. Choose a Payment Amount.
      Note: Once the payment amount is selected, the ACI processing fee will automatically be added to the selected amount and the total amount will populate.
6. Click Review.
   
7. Review the scheduled payment and agree to the Terms and Conditions.
   • If any information is incorrect, click Back to return to the previous screen and update the information.
     
8. Click Pay to submit the payment and view the Payment Successful confirmation screen.
   
   • If desired, you can print or save the receipt from the Payment Successful screen.
   • Payment Successful confirmation screen:
     
   • If an error appears after clicking the Pay button, click the Contact Us tab to contact Credit Acceptance.
     
9. See “Other Saved Payment Methods” for information about saving your payment methods for future use.

You can make a payment today or schedule a payment for a later date. When completing the Payment Information screen, click on the calendar icon in the Payment Date field and select a date to schedule a payment in the future. The payment receipt will show the details of the future payment.
Note: Bankruptcy accounts cannot have future dated payments.

You can only cancel a scheduled payment over the phone with a Credit Acceptance Representative at 1-800-634-1506.

  Yes. To make a payment without logging into the Customer Portal:

1. Hover the mouse over Account Sign In and click Guest Payment.
   
2. Enter the customer’s Credit Acceptance Account Number and the last four digits of the customer’s social security number.

3. Click Log In
   

4. Enter the payment information into the screen and click Next Step.
   Note: Any new payment method can be saved for future uses by checking the box for Save this payment method to my wallet.

• For debit card payments, you will need the card number, CVV, expiration date, zip code, and card holder name.
• For ACH (bank account) payments, you will need the routing number, type of bank account (checking, savings, or money market), account number, account holder name, and bank name.

5. Enter the payment date and amount and click Review.
   
    
6. Review the payment information and check the box indicating that you have reviewed the Terms and Conditions.

7. Click Pay if the information is correct or Back if the information needs to be updated further.

8. Review the Payment Successful screen.
   Note: You may print or save the receipt for your records.

Yes. To save your payment details when making a guest payment, click Save or Print on the Payment Successful screen:

• Clicking Save will pull up a CSV file of the payment details which will open in Excel or Notepad to save.
• Clicking Print will pull up a PDF of the payment details to save.
  

1. Sign into the Customer Portal
2. Click on Enroll in AutoPay if you do not have a current AutoPay Schedule or click Modify AutoPay if you have a current AutoPay Schedule.
   Desktop view:
   
   Mobile view:
   

3.  Select the payment method and click Next Step.
   • Payments can be made using a debit card or bank account (through the ACH payment option).
   • You can select a payment method you have already saved or use a new payment method by clicking Add New Payment Method.
   • For new debit cards, you will need the card number, CVV, expiration date, and card holder name.
   • For new ACH payment methods, you will need the type of bank account (checking, savings, or money market), routing number, account number, bank name, and account holder name.

4. Choose the start date, end date (if desired), amount, and frequency of your payments.

• Monthly: Same day, every month
• Weekly: Same day, every week
• Bi-weekly: Same day, every other week
• Semi-Monthly: Two selectable days, same dates every month
  Note: For months where the 29th, 30th, or 31st of the month do not exist, the last day of the month will be used for payments scheduled

5. Click Submit.
   
6.  Review the Confirm AutoPay Details and the Terms and Conditions.
   • If all the information is correct, check the Terms and Conditions box and click Confirm AutoPay.
   • If any of the information is incorrect, click Back to make any necessary changes.
     
   • A payment receipt will appear on the screen. If desired, you can print or save the receipt. Depending on your contact preferences, you will also receive a letter or email from Credit Acceptance confirming the AutoPay payment schedule.
     
   • If you click Create Another Plan, you will be directed to the Modify AutoPay screen.
     

1. Click on Modify AutoPay in the Customer Portal
   Desktop view:
   
   Mobile view:
   

2. You can view other AutoPay schedules but you can only edit AutoPay schedules you have created.

1. Click on Modify AutoPay in the Customer Portal.
   Desktop view:
   
   Mobile view:
    

2. Click Edit to update the schedule specific to your account.
   
   Note: You can view other AutoPay schedules, but you can only update AutoPay schedules that you have created.

3. Click Next Step on the Payment Method window.

   
4. Make any necessary changes to the Schedule Details and click Submit.

   • You can only change the AutoPay end date and the amount on the Schedule Details window.
      

5.  Confirm the updates are correct and review the Terms and Conditions.
   • If the updates are incorrect, click Back to make any necessary updates to your AutoPay schedule.
   • If all the information is correct, then check the Terms and Conditions button and click Confirm AutoPay.
      
   • A payment receipt will appear on the screen. If desired, you can print the receipt. You will also receive a letter from Credit Acceptance confirming the receipt of the payment information.
      
   • If you click Create Another Plan, you will be directed to the Modify AutoPay screen.
      .

1. Click on Modify AutoPay in the Customer Portal
   Desktop view:
   
   Mobile view:
   

2. Click Edit to update the Payment Method.
   • You can view other AutoPay schedules but you can only update AutoPay schedules you have created.
     
3. Select a saved payment method or a new payment method and click Next Step.
   • If you would like to use a new payment method, click Add New Payment Method.
     
4. Click Submit on the Schedule and Amount window.
   
5. Confirm the updates are correct and review the Terms and Conditions.
   • If the updates are incorrect, click Back to return to the make any necessary updates to your AutoPay payment method.
   • If all the information is correct, then check the Terms and Conditions button and click Confirm AutoPay.
     
   • A payment receipt will appear on the screen. If desired, you can print the receipt. You will also receive a letter from Credit Acceptance confirming the receipt of the payment information.
     
   • If you click Create Another Plan, you will be directed to the Modify AutoPay screen.
     

1. Click on Modify AutoPay in the Customer Portal
   Desktop view:
   
   Mobile view:
   
2. Click Disable to disable the AutoPay plan.

3. Click Yes.
   

4. Click OK to view the Payment Method screen.
   
5. You will receive a letter or email confirming the cancellation.

There are four interval options for AutoPay:

• Monthly: Same day, every month
• Weekly: same day, every week
• Bi-weekly: same day, every other week
• Semi-Monthly: Two selectable days, same dates every month

The last day of the month will be used for payments scheduled on the 29th, 30th, or 31st in months where this day does not exist.

• The Other Saved Payment Methods section only displays when you have multiple payment methods saved. If you have never saved a payment method or if you only have one payment method saved, the Other Saved Payment Methods section will not appear.
  

1. Click Add New Payment Method.
   • Payment methods can be added while making a payment or by clicking on the One-Time Payment button on the home screen.
     
2. Enter the payment method information into the fields.
   • You can switch payment methods by clicking Add New Card/Add New Bank and clicking Continue on the pop-up.
     • Add New Card/New Bank option:
       
     • Pop-up::
       

3. Check the box next to Save this payment method to my wallet.

4. Click Next Step to continue making the payment.
   

1. Click Edit on the payment method listed in the Payment Method window.
   • Payment methods can be removed while making a payment or by clicking on the One-Time Payment button on the home screen
   • If you want to remove a payment method listed under the Other Payment Methods section, select the payment method that you want to remove.
     
2. Click Delete.
   

3. Click Yes on the pop-up.
   Note: Deleting a saved payment method does not remove the payment method from the AutoPay or pending payments. See How do I change my payment method in the Customer Portal? for more information on how to delete a payment method from AutoPay.
   

1. Click Edit on the payment method.
   • If you want to update a payment method listed under the Other Payment Methods section, select the payment method that you want to update.
     
2. Update the information for the payment method.

3. Click Save Changes.
   

You can request a payoff quote online at any time through your Customer Portal account (click here for more information).
You can also request a payoff quote by calling 1-800-634-1506 and using the automated phone system to get your payoff. The system is available 24 hours a day. You can also talk to a Credit Acceptance representative between 8:00 a.m. - 11:00 p.m. EST.

1. Open the account in the customer portal.
2. Click Request Payoff Quote under the vehicle payment information.
   Desktop view:
   
   Mobile view:
   
3. Select the Payoff Quote Good Through Date.
   Note: You can select a date up to 21 days in the future
   Desktop view:
   
   Mobile view:
   
4. Select if you want the payoff quote to include the rebate associated with the cancelation of an unexpired Vehicle Service Contract (VSC).
   Note: If the coverage term for your VSC contract has expired, this screen will not appear.
   
   
    
5. Enter the mileage amount from the vehicle’s odometer.
   • We will alert you with one of the following screens if there is an apparent error in the mileage entered or if the VSC has expired
6. Choose whether Credit Acceptance has consent to cancel the unexpired VSC when your vehicle is paid off.
   • Third parties are not given the option to cancel VSC and will only be able to enter the vehicle mileage amount.
   Note: The VSC must be canceled in order for you to receive any available rebate for any remaining portion of the VSC. If you do not provide consent to cancel, you will have to call Credit Acceptance when you pay off your vehicle in order to cancel the VSC contract and receive any available rebate.
   
   
   
   Note: If you entered the mileage in error, update the mileage to the correct amount.
   
   
   
   
   Note: If you entered mileage that is higher than expected, review the mileage and update it to the correct amount if needed.
   
   
    
7. Review the terms and conditions for more information about the details of the quote.
   Note: If you have GAP coverage through Wynn’s Plus, the payoff quote will automatically include any rebate for that product
    
8. If there is a 3rd Party VSC and/or GAP contract on your account, an additional Request Payoff Quote button will appear. This is because payoff quotes including rebates for 3rd Party Ancillary Products must be calculated by our Operations Support department. Operations Support will calculate the quote and send it to you via the delivery method selected in the next step within 1 business day. If you wish to receive a payoff quote including these rebates, click this button.
   
   
    
9. Select the delivery method for a copy of your payoff quote.
   
   

Payoff quotes are only available for some accounts.  Please contact Credit Acceptance at 1-800-634-1506 for further information if you are not able to get a quote online. 

Contact Credit Acceptance at 1-800-634-1506 to get more detailed information related to these differences.

If you opted to receive a PDF version of your quote in a Customer Portal message when you requested the payoff quote, then you can access a copy of the payoff quote in your messages in the Customer Portal. Otherwise, Contact Credit Acceptance at 1-800-634-1506 to confirm payoff information of a previously requested quote that was requested through the portal. For an updated payoff, re-run the quote in the portal.

Yes, but a separate request will need to be made for a quote with these rebate amounts included. Payoff quotes including rebates for 3rd Party Ancillary Products must be calculated by our Operations Support department and will be sent to you via your chosen delivery method within 1 business day.

Yes, you are able to run a payoff quote (see the question “How do I run a payoff quote?”). 

Credit Acceptance does not offer the opportunity to refinance your vehicle through our Company.

1. Sign into the Customer Portal.

2. Click Learn how in the blue banner “Credit Acceptance repossessed…”.

    

3. Review the Vehicle Release Information screen to determine the amount needed to release the vehicle after repossession.

   • Review the amount you must pay to release your vehicle.

   • Review the payment options.

      

4. Click the Pay Online button if you are ready to pay.

   • Call 800.716.7376 if you have any questions.

5. Review the information about making the payment to release the vehicle.

    

6. After submitting the payment, call 800.716.7376 to process the release and learn how to pick up your vehicle.

• There may be circumstances preventing you from seeing your release quote in the Customer Portal.

• If you receive the following message, call 800.716.7376 for assistance

   

If you are adding a payment method connected to an account number that does not exist with a financial institution, you will see the following error message:

• Text Alerts are text messages sent by Credit Acceptance to a customer’s mobile device
• The messages customers may receive include standard monthly payment reminders, payment promise reminders, AutoPay payment reminders, and requests to call Credit Acceptance

You may have already agreed to receive text alerts at the time you purchased and financed your vehicle, or when you created a Customer Portal account.

If you want to ensure that you’ve agreed to receive Text Alerts, use the Customer Portal:

1. Log in to the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   
3. Select “Phone Preferences”
   Desktop view:
   
   Mobile view:
   
4. Check the circle under “Text” next to the phone number you would like to sign up for text alerts
    
5. Click “Update Preferences”

If you do not have a Customer Portal Account:

1. Go to CreditAcceptance.com
2. Click the “Not Enrolled? Sign up now.” link
3. Follow the prompts to complete enrollment

• Credit Acceptance does not charge for text alerts, but standard mobile phone carrier fees for text messaging may apply
• Check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages

• The outbound text alerts contain a 5 digit short code (878-24) at the top of the text in the place of an outbound phone number
• The 5 digit code is used to facilitate sending text messages and identifies Credit Acceptance as the sender

Every mobile carrier has different rate plans for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also incur different fees for text messaging and data services access. You should contact your mobile provider directly if you are not sure what fees you may be charged to use text and browse the web.

• Standard monthly payment reminders

• Payment promise reminders

• AutoPay reminders

• And/or requests to call Credit Acceptance

• Remember, even if you have agreed to receive text alerts, you still may not receive one or either of the text alerts above, depending on the status of your account.

Credit Acceptance may send text alerts at various times throughout the day and month, during the same hours that we make outbound calls to customers.

You can revoke consent to be contacted by responding to a text message received from the Company with one of the following commands:

• Text STOP to stop all text messages
  o    Note that texting STOP only stops text alerts.  It does not, for example, cancel AutoPay arrangements or cause Credit Acceptance to take any other action.
• Text STOP ALL to stop all calls and text messages to that phone number

You can opt out of Text Alerts in three ways:

We accept the following limited responses:

• Reply HELP and you will receive a message providing a link to our FAQs about Text Alerts
• Reply STOP to opt out of text alerts to the mobile phone number
• Reply STOP ALL to opt out of text alerts and phone calls to the mobile phone number

You will receive a message providing a link to this FAQ page

a. Open a Web Browser. See below for a list of recommended browsers:

• Internet Explorer or Safari (version 9 or higher)

• FireFox (version 38 or higher)

• Chrome (version 28 or higher)

b. Go to www.creditacceptance.com

c. Sign in

1. Hover your cursor over Account Sign In, then click Sign in.
   
2. Enter Email and Password, then click Sign In
   

a.  Hover your cursor over Account Sign In, then click Create Account.

b.  Choose your role (Customer or Authorized 3^rd Party)

 Desktop view:

 Mobile View:

c.   Enter your Account Number and the last 4 digits of your SSN (If you are an authorized 3rd Party see How do I (an Authorized 3rd Party) create an account within the portal?) 

d.  Click Enroll

 Desktop view:

 Mobile View:

e.   Enter your Personal Email Address, and Phone Number, then click Next

 Desktop view:

 Mobile View:

f.   Review and accept the Terms of Use and the Terms and Conditions

• Scrolling to the end of the Terms of Use, and Terms and Conditions is required before the customer can agree to the terms. Until the customer scrolls to the end of the Terms, the I Agree and Accept and Create buttons will be grayed out and unable to be clicked
  
  

   Desktop view:

   Mobile View:

   Desktop view:

   Mobile View:

g.  Click I Agree to the Terms of Use, and click Accept & Create Account to the Terms and Conditions

Note: Clicking Accept and Create Account will trigger a verification email to be sent to your email account. You will need to verify your email address. Access your email and open the confirmation email sent to you.

h.  Wait for the auto-click functionality to advance past the Email Address Verification screen. If the screen pauses, you can click Continue to advance to the next screen.

Note: Once the validation is complete, the Create New Password screen will appear.

• Make sure you have created a Customer Portal account first. To create an account, follow the steps in How do I create a Customer portal account?

1. Hover your cursor over Account Sign In, then click Sign in.
   
2. Type Email in the field labeled Email
3. Enter your personal password in the field labeled Password
4. Click the Sign In button

  e. Occasionally, you will be asked to verify your computer.

1. Choose your preferred verification method (email or text) and click Send Verification Code.
    
2. Enter the verification code and click Verify Code.
    

   Note: The verification code will only work for 15 minutes. If the code expires, click the Send New Code button.

   
    

1. Click the Forgot Password link, located under Sign In, next to the Forgot Email link.

     

      b. Enter your email to receive a verification code.

      c. Enter the verification code and click Verify Code.

      d. Type in new password and click Continue.

  a. Click Forgot Email

  b. Enter your Account Number and the last 4 digits of your SSN, and then click Next.

  c. Use the email displayed to sign in or change your Customer Portal login email address

The website is set up to secure your information. Follow the verification process documented in the How do I create my Customer Portal account? section.

 a. Click Forgot Email

 b. Enter your Account Number and the last 4 digits of your SSN.

• An Authorized 3^rd Party is not able to update their login email address and will need the customer to resend the invitation email to the new email address.

c. The Customer Portal will display the current email address on file for your account. Click the Change Email button.

d. Enter the new email address and agree to the Terms and Conditions

• Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Update button will be grayed out and unable to be clicked
  
  
  
  

e. You will see a confirmation of the new email address and will also receive an email at the new email address confirming the change.

• You must confirm your email upon first sign in.
• If you do not receive the confirmation email, check your Spam or Junk folders.

After 7 failed Sign in attempts, your account will be locked for 10 minutes. 

Yes, the portal can be accessed using a mobile device.

1. Sign into the Customer Portal.
2. Click the Add Account link next to the Account section on the home screen.

3. Enter the Account Number of the account you want to add
   • You will only be able to add additional accounts for which you are the Maker or  Co-Maker.
4. Click Add Account
   
    

You will need to call Credit Acceptance at 1-800-634-1506 to delete your account. Keep in mind that if you delete your account, you will be unable to log in to the Customer Portal or view the details of your account until you make a new Customer Portal account.

You have three options – complete the survey and tutorial, click the “Remind Me Later” button to have the item open again at your next login, or click the X in the top right hand corner to permanently close the tutorial or survey.

1. Sign into the Customer Portal.
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   
3. Click the Add New button in the phone section.
   Desktop view:
   
   Mobile view:
   
4. Add the number and phone type, and select the best time to contact, if applicable.
   1. The best time to contact option and disclosure will only be available for personal phone numbers.
   2. You can select No Preference for the Best Time to Contact field.
   Desktop view:
   
   Mobile view:
   
5. Click Update Phone for desktop view or Next for mobile view.
   1. If a best time to contact option was selected, read the disclosure before clicking Update Phone for desktop view or Next for mobile view.

   Desktop view:

   Mobile view:

6. Review the Terms and Conditions and select whether you would like to receive text messages, phone calls, or both to this number
   1. Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set My Contact Preference button will be grayed out and unable to be cliacked
7. Click Set My Contact Preferences
   Desktop view:
   
   Mobile view:
   

Credit Acceptance will make the initial call at the customer’s selected best time to contact. If the customer does not answer that initial call, Credit Acceptance will call again, possibly at different times.

No. Each account has its own individual preferences. 

• Note:  If you cannot or do not want to opt-out of text messaging online, you can always call Credit Acceptance to update your communication preferences over the phone.

1. Sign into the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

3. Click the Phone Preferences link next to the phone section
   Desktop view:
   
   Mobile view:
   
4. Un-check the box next to the phone number you wish to opt-out of text messaging from
5. Review and scroll to the end of the Phone Calls and Text Consent
   1. You are required to scroll through the entire consent or the Update Preferences button will remain grayed out, and you will be unable to click the button
       
6. Click Update Preferences
   
   Desktop view:
   
   Mobile view:
   

1. Sign into the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   
3. Click the Pencil icon in the email section
   
4. Update your email address with a personal email address (not a work email address furnished by an employer)
5. Review the Terms and conditions
   1. Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set Email Consent button will be grayed out and unable to be clicked
6. Select whether you would like to receive emails at your email address
7. Click Set Email Consent

1. Sign into the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

3. Click the Email Preferences link next to the email section
   Desktop view:
   
   Mobile view:
   

4. Un-Check the subscribe box next to the email types for which you wish to opt-out of receiving messages
5. Review and scroll to the end of the Email Terms and Conditions
   1. You are required to scroll to the end of the Terms and Conditions, or the Update Preferences button will remain grayed out
6. Click Update Preferences
   

The Credit Acceptance Customer Portal will prompt you to update or confirm your contact information every 180 days. You may also be prompted to update your information if we are unable to reach you at your provided telephone number or mailing or physical address.

1. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

2. Click the Edit icon next to the Mailing or Physical Address

3. Update the Mailing or Physical Address information and click Update Address

    Note: If you update your Mailing Address, the Portal will ask if you would like to use the same address for your Physical Address (and vice versa).

Note: Account documents are available if you electronically signed documents at the time of origination. See letter (e) below for a list of available documents.

1. Sign into the customer portal
2. Click the View Account Documents link beneath the account information
    
3. View Documents as a single PDF that will be open through the preferred PDF application.
    
    
4. If the system is down the following error message will appear.
   
   
    
5. The list of documents available are:
   • Retail Installment Contract
   • Contract Correction Document (if applicable)
   • Disclosure Form
   • Vehicle Service Contract (if applicable)
   • GAP Acceptance of Coverage (if applicable)
   • GAP Addendum (if applicable)
   • Buyer’s Disclosure - GPS SID (Cure States) (if applicable)
   • Buyer’s Disclosure - GPS SID (Non-Cure States) (if applicable)
   • New York GAP Waiver (if applicable)
   • Agreement to Arbitrate
   • E-sign Consent Form

A message from Credit Acceptance that is delivered to your Customer Portal account.

If you have a Customer Portal Account, then you will automatically receive Customer Portal messages.

You might receive Guaranteed Funds Required Alerts, AutoPay Cancellation Confirmation, Late Fee
Notices, Settlement Offers, Paid in Full Payment Arrangements, Payoff Quotes, or Post-Redemption
Arrangements.

a.  Log in to your Customer Portal account.

b. Hover over the Profile area and click Messages from the drop-down navigation menu.
Desktop view:

Mobile view:

c.  Click the message beneath the Subject heading.
      Note: Unread messages are in bold.
 

d.  View the message.

e.  To get back to the previous screen, hit the Back button
Desktop view:

Mobile view:

If you have a message in the Customer Portal, then there will be a number next to the Messages link in
the navigation menu that indicates there is a message (or multiple messages) available to view.

Please note: If you have consented to email communication, you will also receive an email notifying you
that you have a message in your Customer Portal account.

The email is a notification that there is a new message in your Customer Portal.

As long as you have consented to email communication, you will always receive this email.

No. You will always receive messages in your Customer Portal account when applicable.

There is no way to respond to a Customer Portal messages; however, there may be instruction in the
message for who to contact if you are required to take action.

You cannot delete a Customer Portal message, but you can Archive the message by:
a.  Clicking on the Archive Message button located in the message.

b.  Click the Back button to get back to the list of messages.

Archived Messages can be viewed by clicking on the Archived Messages button on the Messages
page.

Customer Portal messages, including read messages, will always be in the Customer Portal either on
the Messages page or in Archived Messages.

An Authorized 3^rd Party is a person who you give access to your account to make payments and review your account information. The 3^rd Party will not be able to change your information on the account.

Yes, if a customer authorizes a 3rd Party on the account and provides an email address for the 3rd Party, they can enroll in the Customer portal to gain access to your account. Details regarding the access granted are available below in the response What will an authorized 3rd Party have access to? 

1. From the Profile page of the Customer Portal, click “Add New” under the 3rd Party section

2. Enter the following information for the 3rd Party you are authorizing
   1. Can an authorized 3rd Party access the Customer Portal?li style="margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;">First Name
   2. Last Name
   3. Email Address
   4. Street Address
   5. City
   6. State
   7. Zip Code

1. You are required to scroll to the end of the Terms and Conditions, or the Invite 3rd Party button will remain grayed out

3. Click Invite 3rd Party. The access granted is detailed in the response What will an authorized 3rd Party have access to in the Customer Portal? 
   
   
4. The authorized 3rd Party will now be displayed on the Profile screen

An authorized 3rd Party will be able to see your account information (account status, balance, etc.) and make payments on your account (one-time payments as well as AutoPay).  A 3rd Party will also be able to update their own email and mailing address. They cannot see or make changes to customer contact information.

How do I authorize a 3rd Party in the Customer Portal?

1. Click the “Remove” icon from the Profile screen

2. Read the following screen describing what it means to remove an authorized 3rd Party.

3. Select Remove, or click Cancel if you decide not to remove the authorized 3rd Party

You can make payments and review account information, but you will not be able to update account or customer information.

How can I remove an authorized 3rd Party in the Customer Portal?

  You can enroll through either the:

1.  Link provided in the Authorized 3rd Party Invitation; or

2.  creditacceptance.com (only if you were already placed on the account by the maker or co-maker).

1. Click the Not Enrolled? Sign up now link

2. Choose your role (Authorized 3rd Party)

 Desktop view:

 Mobile View:

3. Enter the customer’s Account Number and your Personal Email Address
4. Click Enroll

e.  Verify the account number, customer name, and email address, then click Next

f.  Review and accept the Terms of Use and the Terms and Conditions

• Scrolling to the end of the Terms of Use, and Terms and Conditions is required before the customer can agree to the terms. Until the customer scrolls to the end of the Terms, the I Agree and Accept and Create buttons will be grayed out and unable to be clicked

g.  Click I Agree to the Terms of Use, and click Accept & Create Account to the Terms and Conditions

• Clicking this will trigger a verification email to be sent to your email account. You will need to verify your email address before your next login.

h.  Wait for the auto-click functionality to advance past the Email Address Verification screen. If the screen pauses, you can click Continue to advance to the next screen.

Note: Once the validation is complete, the Create New Password screen will appear.

You will need to contact the customer on the account you are authorized on and have the invite re-sent.

If you have forgotten your Customer Portal password, you will have to create a new one. Follow the steps below to create a new password:

1. Click the Password link, located under the Sign In Button, next to the Forgot Email link

2. Click the link for 3rd parties who forgot their password

3. Enter your (the 3rd Party’s) Email and follow the guidance from Step b in the I Forgot My Customer Portal Account Password section.

You will need to contact the customer on the account you are authorized on and have the invite re-sent. 

The website is set up to secure your informationwith a verification step. Follow the process documented in the email verification step of the How Do I Create A Customer Portal Account? Section.

An error message will occur on the authorized 3rd party screen if the information entered is not recognized. Follow the prompt to verify the information and try again.

After 7 failed Sign in attempts, your account will be locked for 10 minutes.

1. Sign into the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

3. Click the Pencil icon in the email section
   Desktop view:
   
   Mobile view:
   

4. Update your email address with a personal email address (not a work email address furnished by an employer).
5. Review the Terms and conditions
   1. Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set Email Consent button will be grayed out and unable to be clicked
6. Select whether you would like to subscribe to emails at your email address
7. Click Set Email Consent

(Note: A 3rd Party email address may be used for any of the following reasons: (a) to authenticate the 3rd Party portal access; (b) to send password reset emails; and, (c) to send AutoPay enrollment modification, and cancellation notifications. Unsubscribing from email notifications will not prevent the email address from being used for (a) or (b).)

1. Sign into the Customer Portal
2. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

3. Click the Email Preferences link next to the email section
   
4. Un-Check the subscribe box next to the email types you wish to opt-out of receiving
5. Review and scroll to the end of the Email Terms and Conditions
   1. Scrolling to the end of the Email Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Update Preferences button will be grayed out and unable to be clicked
6. Click Update Preferences

1. Hover over the Profile area and click Profile from the drop-down navigation menu.
   Desktop view:
   
   Mobile view:
   
   

2. Click the Edit icon next to the Mailing Address

3. Update the address information and click Update Address

Reach out to the customer who granted you access to the account to have them remove your access.I am an authorized 3rd Party. How do I update my mailing address in the Customer Portal?

Contact the dealership where you purchased the vehicle in order to obtain the registration and/or plates. If additional assistance is required, please contact the Titles Department at 877-271-0509.

By contacting your new state’s motor vehicle department. If the motor vehicle department requires the original title and you do not already have the title, obtain a request form or letter on the motor vehicle department’s letterhead and send it to Credit Acceptance by fax or mail:

• Fax Number:         866-436-4890

• Mailing address:   

        Credit Acceptance Corporation

        Attn: Title Department

        25505 West 12 Mile Rd.

        Southfield, MI 48034

Once received, Credit Acceptance will process the request and send a permission letter and title documents as required by your state to your preferred motor vehicle office.

By submitting a written request that includes proof of the name change (i.e., marriage certificate, divorce decree, or court order) and the address for your preferred motor vehicle office. This information can be faxed to our Titles Department at 866-436-4890. Once received, we will process the request and send a permission letter and the required documents (including the title, if held by Credit Acceptance) to your preferred motor vehicle office. You will need to contact the motor vehicle office to complete the process.

If you reside in one of the following states: KY, MD, MI, MN, MO, MT, NY, or OK, you will need to contact your preferred motor vehicle department to obtain a duplicate title.

If Credit Acceptance sent you your title and it has been lost, Credit Acceptance can send you a notarized lien release document in order for you to apply for a duplicate title without Credit Acceptance’s lien. Please contact the Customer Service Department at 800-634-1506 regarding this request.

If Credit Acceptance holds your title, Credit Acceptance will provide a copy to you. Simply contact the Customer Service Department at 800-634-1506.

Note: Credit Acceptance does not hold your title in the following states: KY, MD, MI, MN, MO, MT, NY and OK.