Credit Acceptance has taken my dealership to the next level. Mostly, by being able to approve more clients than any other bank. Also, because of the level of ease it is to upload stips and get respons... See more
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Review summary
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Reviews shaping this summary
It is the easiest system to use for credit challenged customers. It used to be so hard back in the day to get 2nd chance finance deals approved but Credit Acceptance has made the process very easy.
Credit Acceptance has allowed me to take BHPH to a higher level. There are some things I see coming that I’m in disagreement with… The ability for customers to use CA portal and get approved is not... See more
The regional rep and VP are awesome! They're very in tune with our dealership and inventory. They are very constructive on helping grow our business. They're definitely an asset to your company. A... See more
Company details
Written by the company
At Credit Acceptance, we believe in driving possibility for everyone. We were founded by a dealer for dealers, and our mission is to help independent and franchise dealers say yes to every customer. We do that by providing financing solutions that allow dealers to sell more vehicles, regardless of a customer’s credit history. As a leading subprime indirect auto financer, we empower dealers to offer financing to credit-challenged customers while expanding their business opportunities. We understand the challenges dealerships face in securing subprime auto financing, which is why we offer one of the best financing options for independent car dealerships. With fast approvals in 30 seconds or less, same-day funding, and full-spectrum financing options, we make it easier for dealers to secure financing for all types of customers while improving cash flow and operations. Our program helps dealers attract more subprime auto customers, generate repeat and referral business, and strengthen their bottom line. We also report to all three major credit bureaus, giving customers a chance to improve their credit while driving dealership success. Join the Credit Acceptance network today and unlock more financing opportunities for your dealership!
Contact info
25505 W 12 Mile Rd, 48034, Southfield, United States
- (800) 634-1506
- connect@creditacceptance.com
- creditacceptance.com/dealers
Say "Yes" to Every Customer
4.6
Excellent
612 reviews
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Great company to do business with top…
Great company to do business with top to bottom.
Great people who are there to help. No bank does a better job utilizing their own data to create better products and policies than Credit Acceptance.
May 26, 2026
Honest opinion. Personally funded at least 250 contracts.
Jim Thrall is a great rep. He has always been knowledgeable, willing to help, professional, and a great resource of CAC knowledge. The program has become dated. I believe if a dealership is run right, it should out grow credit acceptance. I have lenders who will finance up to 125% of JD Retail before 7-10K in backed, reserve, limited fees, just as easy, not in a separate portal, and still give the customer a better payment and rate.
May 20, 2026
Simple and Fast Funding!
May 18, 2026
Helpful, higher advances plz, own warranties!
DOC has been helpful, would like to see advances go up as we have been steadily lowering our Dealer Rating. Would also like to see Independent Dealers have the ability to write their own warranties and it not tank the advance. Superior has been getting slightly harder to deal with.
May 21, 2026
Isaac does a great job
Isaac does a great job. Couldn't be happier with all he does to help us out
May 18, 2026
All questions are answered in a timely…
All questions are answered in a timely manner. All the staff are willing to help get a deal sold.
May 17, 2026
This company has been sued in 34…
This company has been sued in 34 states. They charge 26.99 percent. They are relentless about getting their money. They will take you to court. Evil company.
May 19, 2026
Unprompted review
Kim Zimmerman is the best!
Kim Zimmerman is the best vendor that I have ever dealt with! She goes above and beyond ever time that I need anything!
May 18, 2026
Salesman
We have a harder time getting some one approve especially when we have paper work to prove. I have had more luck with Westlake financial and some of the local credit unions
May 17, 2026
Very Responsive
The staff is always very responsive and professional. CAC is very easy to do business with.
May 17, 2026
I Absolutely LOVE Credit Acceptance
I Absolutely LOVE Credit Acceptance. One stop financing, no hastle waiting on exceptions and fast funding. Pre-approval on stips, so no worries with clearing docs after customer has left with vehicle.
May 17, 2026
Abrupt Unenrollment Costing thousands in sales
Unenrolled due to a salesman, they decided who I was able to employ even when this person didn't touch CAC. THIS CAUSED MY BUSINESS A LOT OF MONEY, TIME, AND RESOURCES. My top 2 performing employees were forcibly let go. When mentioning bringing one back I was told credit acceptance cannot tell me who I can employ as long as their name was not on any deals and they do not touch CAC deals. So this person was brought back as BDC and my funding was pulled faster that I could blink. No unfortunate response, no email regarding reasoning for getting turned off, no clarification as to why even after being told staffing doesn't make the decision, only who uses the financing programing did...
This abrupt cancellation of contract made me ultimately decide to close my car lot down as CAC is the major lender in the area and getting another funding company is a lengthy process.
April 22, 2026
Unprompted review
Very important banks to have in your dealer .
Help my dealer to sell more cars when other bank says no they says yes .
May 17, 2026
The portal is easy to navigate
The portal is easy to navigate, funding is fast, and there are very few surprises
May 14, 2026
Love how everything is straight forward…
Love how everything is straight forward easy to put deals together except for the deal fee's should not be a mystery or require a mathematician to figure it out!I would love to see the deal fee's posted clearly so there is no confusion!
May 12, 2026
Always Helpful
I have maintained a great working relationship with Credit Acceptance for many years. I would 100% recommend them. They have always been very helpful and anxious to help out when possible.
May 15, 2026
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