Since 1972, Credit Acceptance has offered automobile dealers financing programs to help them sell vehicles to consumers, regardless of their credit history. These programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales; and from sales to customers who come into the dealership believing they have credit issues, but qualify for traditional financing. Further, we report to the three national credit reporting agencies, giving consumers an opportunity to improve their credit score and potentially qualify for more traditional financing.
Written by the business, not verified by us.
Is Credit Acceptance Corporation legit?
Credit Acceptance Corporation (creditacceptance.com) has a 4.4 out of 5 rating on OK.one, based on 221 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 85% of reviews are 4 stars or higher and 10% are 1 star; The business has replied to 12% of negative reviews; Reviews mostly discuss Customer service, Price. Last updated 2026-09-06.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the incredibly helpful staff and exceptional support team for going above and beyond to resolve issues quickly and professionally. People also find the online payment options very simple to use and genuinely appreciate the convenience of flexible payment schedules tailored to their needs.
However, some customers also noted that the interest rates are quite high and wished the business offered better refinancing options for loyal clients. Others mentioned experiencing difficulties when trying to reach support agents by phone and receiving frustratingly frequent calls regarding their monthly payments.
Auto-generated from all reviews of this business. For reference only.
Your auto pay failed and when they sent the notices the guy that put my information in the computer at the car lot, put my address in wrong so it put that I missed the payment one single payment the whole time that I’ve had this car messed up my whole credit messed up me buying a house. It took me another two years to be able to buy a house for my kids actually more like three years. I tried to get help to fix the miss payment and was told there was nothing they could do, even though it happened on their end, even though I could prove that the money was in the bank, even my bank writing a statement saying it wasn’t on their end still, it messed up everything in my life so now I am not happy with my service and credit acceptance did nothing to help
It’s real simple to describe in America you know this thing called customer service and you guys provided me financing when I really needed it the most you came through. God bless you and thank you.
High interest rate . I have to pay a processing every time I make a payment . That will add up over my loan term of 4 years . Looking to refinance with another company or bank.
Ive been dealing with credit acceptance for the past two years and can't say anything bad and my kia Sorento has been a very reliable vehicle. Only thing is the apr on my vehicle is ridiculously expensive but it is what it is
My experience with this credit acceptance was good,the fact that they work with their clients makes it easier for even a person struggling keeping up financially especially when we are in a ti.e when people find themselves in a financial struggle. So yes I do recommend if credit acceptance if recommended.
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