Credit Acceptance
Credit Acceptance Corporation is an American auto finance company headquartered in Southfield, Michigan. The company was founded in 1972 by Donald Foss and originally focused on collecting retail installment contracts originated by automobile dealerships owned by its founder. During the 1980s, Credit Acceptance expanded its financing model to independent automobile dealers and developed the dealer-program structure that continues to define much of its business today.
Credit Acceptance specializes in automobile financing for consumers across a broad range of credit profiles, including people who may have limited or impaired credit histories. The company works through participating automobile dealerships rather than operating conventional retail bank branches. Customers purchase vehicles from participating dealers, while Credit Acceptance finances and services qualifying retail installment contracts. The company currently states that it has helped more than 4 million people obtain a vehicle over its history.
Credit Acceptance Corporation is publicly traded on Nasdaq under ticker symbol CACC. As of December 31, 2025, the company had 2,314 full- and part-time team members and worked with 15,745 active dealers during 2025. The company operates a remote-first workforce model, with more than half of its team members located outside Michigan.
248-353-2700
1-800-634-1506
Monday to Friday: 8:00 AM to 11:00 PM ET
Saturday and Sunday: 8:00 AM to 5:00 PM ET.
Credit Acceptance Corporation
25505 West Twelve Mile Road
Southfield, MI 48034-8339
United States
Credit Acceptance Corporation
25505 West Twelve Mile Road
Southfield, MI 48034-8339
United States
Current SEC filings continue to identify this as the company’s principal executive office.
Investor Relations: IR@creditacceptance.com
Credit Acceptance does not prominently publish one general unsecured Customer Service email address. Customers are encouraged to communicate through the secure Customer Portal.
Auto Finance, Consumer Finance, Vehicle Financing and Loan Servicing
1972
Credit Acceptance was founded by Donald Foss.
2,314 team members as of December 31, 2025
This includes full- and part-time team members across servicing, originations, engineering, analytics, marketing, product management, legal, compliance, HR, and finance.
15,745 active dealers during 2025
Credit Acceptance defines active dealers as dealers that received funding for at least one consumer loan during the year.
Credit Acceptance does not publish standard public walk-in hours for its Southfield headquarters.
Customer Service Center hours are:
Monday to Friday: 8:00 AM to 11:00 PM ET
Saturday and Sunday: 8:00 AM to 5:00 PM ET
https://www.creditacceptance.com/
https://www.ir.creditacceptance.com/
Credit Acceptance Corporation trades on Nasdaq under ticker symbol:
CACC
https://www.creditacceptance.com/careers
Credit Acceptance currently recruits across analytics, business operations, corporate legal, engineering, finance, human resources, marketing, product management, sales, and strategic-alignment functions.
Credit Acceptance primarily provides indirect automobile financing and related account servicing through participating auto dealers throughout the United States.
Credit Acceptance provides vehicle financing through participating dealerships.
The company’s programs are designed to support consumers across a wide range of credit situations, including customers with limited or impaired credit histories.
Participating dealers can finance qualifying new and used vehicles through Credit Acceptance programs.
Consumers shop at the participating dealership and enter into a retail installment contract for the vehicle.
Credit Acceptance provides an online pre-qualification process.
Potential car buyers can check financing eligibility before shopping with a participating dealer.
The company focuses significantly on consumers who may not qualify for conventional automobile financing.
Its financing network is designed to give participating dealers options for customers with a broad spectrum of credit profiles.
Credit Acceptance states that participating dealers may finance qualifying customers using an Individual Taxpayer Identification Number, subject to company funding requirements.
The company also states that participating dealerships are available across all 50 states.
Credit Acceptance services the consumer contracts assigned to it by participating dealers.
Customers make their scheduled payments directly to Credit Acceptance.
The online Customer Portal allows customers to:
View account balances
Review transaction history
Access documents
Update eligible personal information
Make payments
Contact Credit Acceptance securely
Review payoff information
The portal is one of the company’s primary customer-service channels.
Credit Acceptance provides a mobile app for account management.
Customers can use the app to view account information, make payments, schedule payments, and access support options.
Customers can make qualifying payments through the Customer Portal.
Payments received directly by Credit Acceptance by 5:00 PM ET are generally posted the same business day.
Customers can make payments by calling:
1-800-634-1506
Customers may set up recurring payments through eligible account-management tools.
Terms and payment dates should be reviewed carefully before enrollment.
Credit Acceptance allows qualifying one-time guest payments without requiring the payer to fully log in to the customer’s account.
Customers can submit a check or money order through the payment drop box at Credit Acceptance headquarters:
25505 West Twelve Mile Road
Southfield, MI 48034
Cash should not be placed in the drop box.
Credit Acceptance reports account information to the major consumer credit reporting agencies:
Experian
Equifax
TransUnion
The company states that making payments on time may help customers build their credit history.
Customers who believe Credit Acceptance has reported incorrect information can submit a direct credit-reporting dispute.
The formal dispute mailing address is:
Credit Acceptance Corporation
Attn: Credit Reporting Department
P.O. Box 5070
Southfield, MI 48086-5070.
Credit Acceptance’s Portfolio Program allows participating dealers to receive an initial advance while also retaining the opportunity to earn a share of future collections.
The company states that dealers can receive 80% of net customer collections after applicable collection costs and advances, subject to program terms.
The Purchase Program provides a more traditional financing structure.
Dealers receive a one-time upfront payment when the contract is funded, after which Credit Acceptance services the contract and manages collections.
Participating dealers can obtain account and program support through Credit Acceptance’s Dealer Service Center.
Dealers use the company’s CAPS system to submit and manage qualifying financing transactions.
Certain vehicle service contracts may be financed as part of qualifying consumer loans when sold by participating dealers.
Administration is performed through third-party providers.
Qualifying GAP products may also be financed through certain consumer contracts.
Terms and availability depend on the dealer, state, financing structure, and third-party administrator.
Credit Acceptance publishes separate contacts for customers, dealers, complaints, Investor Relations, and other specialized issues.
248-353-2700
This is the official telephone number associated with the company’s principal executive offices.
248-353-2700
248-353-2700
248-353-2700
1-800-634-1506
1-800-634-1506
Monday to Friday: 8:00 AM to 11:00 PM ET
Saturday and Sunday: 8:00 AM to 5:00 PM ET.
1-800-634-1506
1-877-523-4044
Credit Acceptance specifically publishes this number for customers with questions or concerns and for complaint-related contact.
1-800-729-7633
Dealer support hours vary by state and time zone.
For Michigan and many Eastern states:
Monday to Friday: 9:00 AM to 8:00 PM ET
Saturday: 9:00 AM to 7:00 PM ET.
Primary customer toll-free contact:
1-800-634-1506
Complaint contact:
1-877-523-4044
Dealer contact:
1-800-729-7633
Credit Acceptance does not operate a conventional direct-to-consumer vehicle sales line.
Consumers obtain financing through participating automobile dealerships.
For customer accounts:
1-800-634-1506
For payments and account questions:
1-800-634-1506
Credit Acceptance does not publish one universal Regional Office number.
Its workforce is largely remote-first and its dealer relationships are managed nationally.
Credit Acceptance does not operate traditional consumer branches.
Customers use the online portal, mobile app, telephone support, participating dealers, and the Southfield headquarters.
Southfield corporate office:
248-353-2700
Credit Acceptance primarily operates within the United States and does not publish one universal international consumer-support number.
Credit Acceptance does not publish a general corporate emergency or after-hours customer-service number.
Regular Customer Service is available seven days per week during published hours.
248-353-2700, Extension 6739
Current Investor Relations contact:
Jay Brinkley
Senior Vice President and Treasurer.
IR@creditacceptance.com
781-575-3120
Current transfer agent:
Computershare Trust Company, N.A.
Credit Acceptance does not prominently publish one dedicated permanent Media Relations telephone number on its consumer contact page.
Corporate inquiries can begin through:
248-353-2700
Credit Acceptance does not publish one universal applicant HR number.
Careers:
https://www.creditacceptance.com/careers
Not applicable.
Credit Acceptance is an automobile finance company and does not operate a conventional reservation business.
Existing customers who need live account assistance should call 1-800-634-1506. Current Customer Service hours are Monday through Friday from 8:00 AM to 11:00 PM Eastern Time and Saturday and Sunday from 8:00 AM to 5:00 PM Eastern Time. Customers should have their account information and details of the payment, payoff, vehicle, or account issue available before calling.
If the issue is specifically a complaint or concern that has not been resolved through ordinary Customer Service, Credit Acceptance publishes 1-877-523-4044 as its customer complaint contact. Customers can also log into the Customer Portal and submit a complaint electronically, which the company states helps it respond directly and more quickly.
Credit Acceptance Corporation’s current headquarters is:
Credit Acceptance Corporation
25505 West Twelve Mile Road
Southfield, MI 48034-8339
United States
Corporate Phone: 248-353-2700
Current August 2026 SEC records continue to identify this as the company’s principal executive office.
Credit Acceptance Corporation
25505 West Twelve Mile Road
Southfield, MI 48034-8339
United States
The headquarters supports executive leadership, finance, legal and compliance, servicing, dealer originations, product management, technology, analytics, marketing, and other corporate functions.
Vinayak R. Hegde
Credit Acceptance appointed Vinayak R. Hegde as President and Chief Executive Officer effective November 13, 2025. The company’s current 2025 Annual Report identifies him as CEO and President.
Credit Acceptance reported:
2,314 team members as of December 31, 2025
The workforce included:
799 Servicing team members
588 Originations team members
542 Engineering, Analytics, Marketing and Product Management team members
385 Support team members.
The majority of Credit Acceptance employees work remotely from locations across the United States.
More than half of its team members are located outside Michigan.
Credit Acceptance reported:
15,745 active dealers in 2025
The company works with automobile dealerships throughout the United States.
Customers who choose to make an in-person payment by check or money order can use the drop box in front of the headquarters at:
25505 West Twelve Mile Road
Southfield, MI 48034
Customers should include their account number and should not leave cash in the drop box.
Credit Acceptance Corporation
Attn: Credit Reporting Department
P.O. Box 5070
Southfield, MI 48086-5070
This address is specifically for direct disputes concerning information reported to consumer credit bureaus.
Computershare Trust Company, N.A.
150 Royall Street, Suite 101
Canton, MA 02021
Phone: 781-575-3120.
Credit Acceptance Corporation trades on Nasdaq under:
CACC
Customers who have a complaint involving an automobile finance account, payment, collections activity, payoff amount, credit reporting, vehicle title, customer service, account access, repossession-related matter, or another Credit Acceptance service should collect all relevant records before submitting the complaint. Keep payment confirmations, account statements, letters, screenshots, credit reports, vehicle information, case numbers, and the dates of previous conversations. Because some disputes have formal legal or credit-reporting procedures, accurate documentation is especially important.
Begin by calling 1-800-634-1506 and explain the account issue to a Customer Service representative. Provide the account details necessary to locate the correct contract and explain the problem in chronological order, including relevant payment dates, transactions, notices, or prior conversations. Ask the representative what action can be taken and request any available reference or case number. Write down the representative’s name, the date of the call, and the resolution or follow-up that was promised. Keep supporting payment records and account documents together.
If ordinary Customer Service does not resolve the issue, call 1-877-523-4044 or log into the Customer Portal and select the option to submit a complaint. Credit Acceptance specifically provides these channels for customer questions, concerns, and complaints. Include a concise explanation of the problem, previous Customer Service contacts, relevant payment or account information, and the resolution you are requesting. Avoid sending passwords or unnecessary sensitive information through unsecured channels. Save the complaint confirmation and all responses received from the company.
If the complaint concerns information Credit Acceptance reported to Experian, Equifax, or TransUnion, use the company’s formal credit-reporting dispute process rather than relying only on a general complaint. Credit Acceptance instructs customers to complete its Consumer Report Direct Dispute Form and mail it to Credit Acceptance Corporation, Attn: Credit Reporting Department, P.O. Box 5070, Southfield, MI 48086-5070. Include documentation supporting why the reported information is incorrect. Customers may also dispute information directly with the credit bureau that issued the report. Keep copies of the form and supporting documents.
For an unresolved corporate issue, written correspondence may be directed to Credit Acceptance Corporation, 25505 West Twelve Mile Road, Southfield, MI 48034-8339. Include your full contact information, relevant account details, previous complaint or case numbers, important dates, and a chronological explanation of the issue. State clearly what resolution you are requesting and attach copies rather than originals of account statements, payment confirmations, correspondence, or other evidence. Do not include passwords or complete bank-account credentials. Keep a full copy of the complaint and proof of delivery.
If a financial-services complaint remains unresolved after Credit Acceptance’s internal review, consumers can consider the appropriate state or federal consumer-finance complaint process based on the issue and jurisdiction. Credit-reporting matters can also be raised with the relevant credit bureau, while complaints involving debt collection, lending, repossession, or state consumer law may fall under different regulators or state authorities. Keep account statements, payment records, credit reports, letters, support case numbers, and copies of the company’s responses before escalating. The appropriate external authority depends on the exact complaint, so consumers should avoid assuming that one regulator handles every Credit Acceptance dispute.
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