Credit Acceptance Corporation Reviews 

4,920
•
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 2,860 reviews, reviewers overwhelmingly had a great experience with this company. People frequently mention that the staff members are exceptionally helpful, friendly, and always ready to go above and beyond to solve issues successfully. Consumers also enthusiastically praise the reliable overall service and the user-friendly online tools that make handling monthly payment schedules completely seamless. However, some customers also noted considerable frustration regarding unexpected extra fees required just to submit regular payments. Reviewers additionally described receiving overwhelming phone calls regarding billing or dealing with impolite representatives when calling for clarification. A few people expressed that receiving conflicting answers from different representatives created unnecessary confusion during their inquiries.

What people talk about most

Payment

Clients share ambiguous opinions on payment, with many reviewers praising the ease of using the app, helpful... See more

Customer service

Users describe positive interactions with customer service, noting that representatives are kind, take their... See more

Staff

Customers had positive experiences with staff, frequently describing representatives as kind, professional,... See more

Service

Customers consistently note positive experiences with service, highlighting fast funding and helpful... See more

User experience

Reviewers mention positive feedback about user experience, highlighting an easy online account management... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Well the experience would have been better if I could have gotten forgiveness for past late payments or good will for paying over 3,000$ to get it all caught up. I had a unexpected loss of income due... See more

Rated 5 out of 5 stars

Walter made all the difference in making my interactions a success. When all the other agents couldn't help me or hung up the phone, Walter went above and beyond and figured out a solution to my issue... See more

Rated 5 out of 5 stars

It was my first time purchasing a car through a credit company. The first time I had to cal, the representative was kind and answered my questions she took her time with me. She made sure I underst... See more

Rated 5 out of 5 stars

Yes because we got behind and I was scared of losing my truck. Glad you’re an understanding company. When you’re on a fixed income and unexpected things happen it causes problems with the finances wit... See more


Company details

  1. Non-Bank Financial Service
  2. also in
  3. Financial Consultant

Written by the company

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.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

5K reviews

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4.3

All reviews

(4,920)

2,757 reviews in the last 12 months

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Rated 5 out of 5 stars

Thank you for giving me a credit…

Thank you for giving me a credit opportunity despite what my history showed. I am glad I had an opportunity to show you I have been willing and able to make payments every month on time. Thank you. God bless you.

7 September 2026
Rated 5 out of 5 stars

Customer Service is A1

Whenever I call and have to talk to staff, I am treated with respect, they explain things so I understand and the customer service is always respectful and professional.

7 September 2026
Rated 1 out of 5 stars

Credit Acceptance Corporation needs to be taken down by the State of Michigan and all 50 state that use them and return all the money we paid out and not account for in payments made to them.

this is what Google should place on review and y'all company should be close down for business. Your finance charges are 20.99% that is $20,000 attached to our purchase agreement. Your company don't update with the credit Bureaus nor do your company place payments back like asked and we still make payments to our payments again just fir your company to report late fees to the credit Bureaus and and it be so false.I paid your company $18,000 plus over the amount to your company out the $30,000 I was purchasing my SUV to your company shouldn't be saying I still owed $24,374.74 from purchasing from August 2021 to the refinance in May 1, 2023 but y'all falsely reported Equifax that I owned $25, 562.00 and I had refinance and they paid it off and your company didn't update th etrue balance before refinance and I had to dispute twice and the Michigan attorney general office didn't help me so I'm about to report you to the Trade Commission because New York Attorney General office already got your company in court for wrong doing to customers for the same concerns y'all company is a joke and I hope other people that have issues with your company complaint to the Trade Commission to close your company down. They don't deserve that one star, because with me refinancing from the $24,374.74 it's now $12,604.00 with the credit union. I can't trade it in for that amount, my SUV had the same repairs and I need another vehicle to I can't. Plus there are no Attorney to take my case to challenge Credit Acceptance Corporation. I have paid out and can't get help, and the Attorney General office in Michigan took there side and the secretary of State on the dealership part also took there side . Because of our Michigan law that the Attorney General office can't take a company to court on our behalf to show that the law is against us. The date of experience isn't on there January 2022 to September 2024

7 September 2026
Unprompted review
Credit Acceptance Corporation logo

Reply from Credit Acceptance Corporation

Dear Valued Customer,
Thank you for reaching out to Credit Acceptance. For us to resolve your issue please call us at 1-800-634-1506. Hours of operation are Monday- Friday, 8am -11pm EST and Saturday, 8am – 5pm EST.

Rated 5 out of 5 stars

Yes because we got behind and I was…

Yes because we got behind and I was scared of losing my truck. Glad you’re an understanding company. When you’re on a fixed income and unexpected things happen it causes problems with the finances within the home. Thank you for being patient with us.

7 September 2026
Rated 1 out of 5 stars

Please stop calling me after the 7th of…

Please stop calling me after the 7th of each month as I pay the bill before the month ends please and thank you..you guys call multiple times in a day which is ridiculous like it’s so frustrating and stressful to get that many calls . Do better

7 September 2026
Credit Acceptance Corporation logo

Reply from Credit Acceptance Corporation

Dear Valued Customer,
Thank you for reaching out to Credit Acceptance. We were able to resolve your issue. If you have any further questions, please call us at 1-800-634-1506. Hours of operation are Monday- Friday, 8am -11pm EST and Saturday, 8am – 5pm EST.

Rated 1 out of 5 stars

Quit taking advantage of customers with…

Quit taking advantage of customers with shaky credit. Give a fixed rate on car loans, instead of shafting the poor soul that is desperate for a vehicle. Revolving credit is something that you play the dickens to get out of. I'm trying to improve my score, not take a chance in losing everything I've been trying to improve. I'll never get this car paid off..

7 September 2026

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