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More customers.

More sales.

Better cash flow.

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Designed for independent dealers.

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Join Our Network

Your dealership runs on speed, flexibility, and reliable financing — our programs are built to deliver exactly that. We give you the tools and support you need to keep deals flowing and your business growing.

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Everything you need to keep deals moving.

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Approve customers across the credit spectrum in 30 seconds or less

Nearly 80% of deals approved for funding within 24 hours so you can turn inventory faster

STIPs pre-approval in 15 minutes or less to quickly get deals ready for delivery

100% non-recourse financing with no look-to-book requirements

Competitive advances plus the opportunity to earn monthly Portfolio Program income

Access to CAPS® to support your full deal-to-contract workflow in one intuitive platform

A dedicated MAM, your local market expert focused on your success

Why dealers choose us

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More approvals, more growth

Every customer is a chance to grow your business, and we help you say “yes” every time with flexible financing options for all kinds of buyers. And since we review STIPs before contracting in as little as 15 minutes, you can close deals without skipping a beat.

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Financing made easy

Whether you work in CAPS, Dealertrack®, or RouteOne®, we make it easy to match customers to the deal that fits their budget and your profit goals. Include add-ons like GAP or VSC, and complete everything in one sitting — from desking and STIP verification to contracting.

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Fast funding

Leave slow funding in the dust. Get near instantaneous approvals and same-day funding with eContracting. So, you can spend less time waiting and more time reinvesting in your business.

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Cash flow for the future

Our Portfolio Program is a powerful way to build long-term income. Each contract you close is an investment for your future, paying you 80% of net customer collections.* Securing cash flow far beyond the upfront payment and giving you a steady stream of revenue you can rely on to support your business.

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Local market expertise

You’ll have a dedicated Market Area Manager (MAM), a local expert who understands your unique market. They’ll work alongside you, offering hands-on guidance and insights to help you maximize your success and reach your goals.

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Programs designed to support your growth

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Whether you're looking for a traditional, one-time upfront payment or long-term earning potential, our programs give you the support and flexibility you need.

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Learn about our financing programs.

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Learn More

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Tools to help you close more deals

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From credit applications that eliminate the need for manual entry, to a one-stop-shop for your entire workflow, our tools help you work faster and more efficiently so you can close more deals.

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Explore our integrated tools.

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Real stories. Real results.

Don’t just take our word for it. See what other dealers have to say about how Credit Acceptance has made a real impact on their business.

*Dealers receive 80% of future payments after collection costs and Advances. For full details see your Dealer Servicing Agreement.