Approve every customer

Say 'yes' to everyone: bad credit, no credit. Get a credit approval in 30 seconds or less

Our proprietary Credit Approval Processing System (CAPS®) enables dealers to say ‘YES,’ with a written approval, on every used or new vehicle in their inventory in 30 seconds or less...24/7/365- regardless of bad credit, no credit, or even bankruptcy on a consumer’s credit report.

Offer an approval to customers with...

  • Fixed income
  • Unemployment income
  • Multiple open autos on bureau
  • Mutliple repossessions
  • Self-employment
  • Non-related co-signers
  • Bad credit
  • No credit (first-time buyer)
  • No minimum job or residence time
  • Temporary employment
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

See Credit Acceptance Funding Guidelines for more details.