Managing text alerts

What are text alerts?

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

How do I sign up for text alerts?

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 on the web or in the Credit Acceptance Mobile App (“Mobile App”).

Note: Notwithstanding customer consent, the Company will not send some text messages to certain customers due to certain account level restrictions, state law restrictions, or other reasons.

If you want to ensure that you’ve agreed to receive text alerts, sign up using the Customer Portal, on the web or in the Mobile App:

On the web (scroll down for Mobile App instructions)

1. Log into the Customer Portal.
2. Navigate to the PROFILE page.

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.

Desktop view:

Mobile view:

5. Review and scroll to the end of the Phone Calls and Text Consent.

Note: You must scroll to the end of the Terms and Conditions to enable the UPDATE PREFERENCES button.

6. Click UPDATE PREFERENCES.

Desktop view:

Mobile view:

In the Mobile App:

1. Sign into the Mobile App and click the profile icon.

2. Click the arrow under Account Settings for the desired account.

3. Click the arrow next to Phone Preferences.

4. Select the arrow next to the desired phone number.

5. Click the desired phone preference option under Preferences, check the box after reviewing to agree to Phone, Text, and Email Terms and Conditions, and click Set My Contact Preference.

Note: You must scroll to the bottom of the Terms and Conditions in order to have the option to click the box and continue.

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

Will I be charged for text alerts?

• 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

What is the “short code” at the top of the text alerts I receive?

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

What does "standard text and data rates may apply" mean?

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.

What text alerts might Credit Acceptance send me?

• Welcome message

• Payment Reminder message

• Promise Reminder message

• AutoPay Reminder message

• Payment Options message

• Education Resources message

• Payment Success message

• Payment Decline message

• Payment Correction message

• General Call message

• Vehicle Redemption message

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.

What text alerts might Credit Acceptance send me regarding the Credit Acceptance Feed?

• Credit Acceptance Feed – SMS 1

• Credit Acceptance Feed – SMS 2

• Credit Acceptance Feed – SMS 3

• Credit Acceptance Feed – SMS 4

• Credit Acceptance Feed – SMS 5

• Credit Acceptance Feed – SMS 6

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.

When are text alerts delivered?

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.

What are the text commands to stop SMS messaging?

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
  • 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.

How do I opt out of text alerts?

You can opt out of text alerts in three ways:

Can I reply to text alerts?

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.

What happens if I reply to a Text Alert with something other than one of the supported responses?

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