We make the process as simple as possible:
1
Use our calculators to estimate your monthly payment or how much car you can afford.
2
Get pre-qualified with no impact to your credit.
3
Once you’re approved for pre-qualification, we’ll match you to 3 dealers who’ll work with your budget and needs.
4
Make your payments to Credit Acceptance—we have multiple ways to pay.
What's possible when you choose Credit Acceptance?
Financing for nearly any vehicle.
Participating dealers can offer an approval on new and used vehicles.
No-fee payment options.
AutoPay for no-hassle payments, by mail or in person.
Every customer can get approved.
Including customers with bad credit history, no credit, fixed income, unemployment income and more.
Rebuild your credit.
On-time payments may improve your credit score—we report to all 3 major credit bureaus.
Dealers in all 50 states.
A participating dealer will work with you to understand the type of vehicle you want and the budget you have to structure a contract that works for you.
You're More Than A Score
Credit Acceptance dealers can work with variety of credit situations and scores.
What you should know:
See important information for Credit Acceptance applicants and customers.- 1Credit Acceptance offers indirect auto financing. Simply put, this means that you apply for and secure your financing at the dealership where you purchase the vehicle, as opposed to a direct auto loan that you get directly from a financial institution, such as a bank or a credit union. Credit Acceptance does not provide financing directly to consumers or for private vehicle sales.
- 2Dealers enrolled with Credit Acceptance can approve consumers with temporary and ITIN income, open Chapter 7 and 13 bankruptcies (with court/trustee approval), and existing car loans, subject to Credit Acceptance’s funding standards.
- 3Most contract terms, including minimum down payment amount, monthly payment, and the payment due date are set by the dealer and will vary based on the dealership you visit and the vehicle you select. The dealer will work with you to understand the type of vehicle you want, as well as work with your budget, to structure a contract that meets your needs.
Understanding Credit
Good credit is important. We’ll help you understand why and offer you helpful tips on how to improve yours.
Rebuilding your credit is possible.
We’ve put together some information on credit that may be useful when you’re researching options for auto financing.- 1Credit scores are based on information in your credit reports. This information is reported by your creditors to credit reporting companies Equifax, Experian and TransUnion.
- 2Check your credit report before applying for financing at AnnualCreditReport.com or call 877.322.8228.
- 3Paying your auto loan on-time, every time can help improve your credit score.
- 4Good credit can save you thousands of dollars over the life of a car loan or mortgage.
Car Buyer Resources & Education
We’ve got an assortment of valuable resources to help credit-challenged car buyers.
Articles, videos and education.
From financing for a car to improving your overall credit, here are tools to help you out:- 1Head to our Express Lane Blog for articles on car financing, buying and credit information.
- 2Check out our videos “Financing through Credit Acceptance” and “Car Buyer Credit Awareness Series.”
- 3ExtraCredit is an education resource with courses to help you take control of your finances.
- 4Our FAQs cover it all: making payments, managing text alerts, the Customer Portal and more.
Download the Credit Acceptance Mobile App
Make on-the-go car payments.
Manage your account and make car payments securely from anywhere, any time.
It’s secure.
Securely log into your Credit Acceptance account with fingerprint or face ID.
Schedule payments.
Make payments online by scheduling one-time or recurring payments.
It’s easy.
View current amounts and upcoming payment information.
Next stop: Articles from our Express Lane Blog
9.20.2022
Can I buy a car after bankruptcy?
Although a bankruptcy stays on your credit report for seven to 10 years, it’s possible to get approved for financing….
6.21.2022
Buying a car with bad credit or no credit.
While buying a car should be an exciting time for car shoppers, it can come with its challenges if you have bad credit or no credit…
3.17.2022
Rebuilding your credit with bad credit history.
While some situations — such as car repossession, foreclosure, and bankruptcy — can cause your credit score to take a hit, there are effective ways you can rebuild your credit….
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