How to make your Credit Acceptance auto payment 

Making on-time auto payments maximizes the opportunity to improve a credit score and change lives. Make your Credit Acceptance payments with one of these easy payment methods. Select a method below to see payment posting times.

Important Information about Late Fees – If the payment due is not made prior to the payment posting cut-off time on the day when the late fee grace period expires, a late fee may be assessed. If a late fee is assessed, it will be posted on the same day after the payment posting cut-off time. The payment posting cut-off time varies by payment type. Please see below to learn the payment posting cut-off time for each payment type. Please refer to your contract for the amount of your late fee and the length of your late fee grace period.

 

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No fee payment methods 

ONLINE AUTOMATIC PAYMENTS
Online: Automatic Payments

Debit/ATM Card, Checking, or Savings Account

NOTE: Credit cards are not accepted.
  1. Log in to the Customer Portal at creditacceptance.com
  2. Click “Enroll in AutoPay” on the Portal’s home page.
  3. Follow the instructions to setup AutoPay.

Payments will post according to the schedule established by the customer. Changes to recurring payments need to be made one day prior to the next scheduled payment date. Payments are processed 7 days a week and also on holidays. Recurring payments can be established or modified 24 hours a day, 7 days a week, and on holidays.

MAIL
Mail

Check or Money Order via U.S. Post Office

Include your payment coupon and Credit Acceptance account number on your check or money order. Do not send cash. Do not send correspondence other than your coupon.

Mail to:
Credit Acceptance
P.O. Box 551888
Detroit, MI 48255-1888*

Payments are posted the same business day if received by 5:00 p.m. Eastern Time. Payments received after business hours will be processed the next business day. It’s recommended that you mail payments 7 days before the due date.

If guaranteed funds are required, mail a money order to:

Credit Acceptance
25505 West 12 Mile Rd
Southfield, MI 48034

*Payments sent directly to Credit Acceptance instead of the P.O. Box generally take longer to reach us. Payments received directly at Credit Acceptance will be posted the same business day if received by 5:00 p.m. Eastern Time.

IN PERSON
In person

Check or Money Order

Leave your check or money order payment in the drop box in front of Credit Acceptance headquarters, located at 25505 West 12 Mile Road, Southfield, Michigan. Do not leave cash in the drop box. Include your account number written on your check or money order. 

Payments are posted the same business day if received by 5:00 p.m. Eastern Time.

PHONE AUTOMATIC PAYMENTS
Phone: Automatic Payments

Talk to a Credit Acceptance Representative to set up automatic payments with a Debit/ATM Card, Checking, or Savings Account

NOTE: Credit cards are not accepted.

Call 1-800-634-1506 to set up free automatic recurring weekly, bi-weekly, semi-monthly, or monthly payments.

Payments are posted according to the schedule established by the customer. Changes to recurring payments need to be made one day prior to the next scheduled payment date. Payments are processed 7 days a week and also on holidays. This payment option is available during Credit Acceptance business hours, 8:00 a.m. – 11:00 p.m. Eastern Time Monday through Friday, and 8:00 a.m. – 5:00 p.m. Eastern Time Saturday and Sunday.

Payment methods with fees 

ONLINE: GUEST PAYMENT
Online: Guest payment

Debit/ATM Card, Checking, or Savings Account

NOTE: Credit cards are not accepted.

 Make a guest payment

Computer or Mobile Device - $3.75

Payments are posted the same day if submitted to ACI by 11:45 p.m. Eastern Time. Payments are processed 7 days a week and also on holidays.

ONLINE ONE-TIME PAYMENT
Online: One-time payment

Debit/ATM Card, Checking, or Savings Account

NOTE: Credit cards are not accepted.
  1. Log in to the Customer Portal at www.creditacceptance.com
  2. Click “One-Time Payment” on the Portal’s home page.
  3. Follow the instructions to make a payment.

 

Computer or Mobile Device - $3.75

Payments are posted the same day if submitted to ACI by 11:45 p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.

IN PERSON
In person

Cash Only

CheckFreePay - $5.00
Take your payment to a CheckFreePay location. Visit www.checkfreepay.com to find a location near you.

Payments are posted the same day if submitted to CheckFreePay by 11:43 p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.

MoneyGram - $7.99
Take your payment to a MoneyGram location and use the Code: 4093. Visit www.moneygram.com or call 1-800-926-9400 to find a location near you.

Payments are posted the same day if submitted to Money Gram by 10:00 p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.

Western Union - $8.50
Take your payment to a Western Union location and use the Code: Acceptance MI. Visit www.westernunion.com or call 1-800-325-6000 to find a location near you.

Payments are posted the same day if submitted to Western Union by 10:00 p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.

PHONE ONE-TIME PAYMENT
Phone: One-time payment

Via automated phone system or Credit Acceptance Representative with Debit/ATM Card, Checking, or Savings Account

NOTE: Credit cards are not accepted.

Call 1-800-634-1506

Automated Phone System - $3.75
Payments are posted the same day if received by 11:45 p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.

Credit Acceptance Representative - $9.95
Payments are posted the same day. This payment option is available during Credit Acceptance business hours, 8:00 a.m. – 11:00 p.m. Eastern Time Monday through Friday and 8:00 a.m. – 5:00 p.m. Eastern Time Saturday and Sunday.

PERSONAL BANKING
Personal banking

Via your bank's website with Checking or Savings Account

Consult your bank for fee details.

Follow your bank’s instructions for bill payments. Select Credit Acceptance as a payee. Select a one time or recurring payment. Direct your payment to P.O. Box 551888, Detroit, MI 48255-1888.*

Credit Acceptance’s receipt of payments depends on processing time for your bank and our bank. Payments are posted the same day they are processed by our bank.

*Payments sent directly to Credit Acceptance instead of the P.O. Box generally take longer to reach us. Payments received directly at Credit Acceptance will be posted the same business day if received by 5:00 p.m. Eastern Time.