Credit Acceptance Phone Number: Contact Info & How To Reach

Credit Acceptance is a financial company that provides auto loans to consumers with less-than-perfect credit. If you're a customer or a dealer working with Credit Acceptance, you may need to contact them for various reasons, such as making a payment, asking about your account, or resolving an issue. Knowing the correct phone number and other contact methods is crucial for efficient communication.

Credit Acceptance Customer Service Phone Numbers

Credit Acceptance has several phone numbers depending on your needs. Here are the main numbers you might need:

• Customer Service: (800) 634-1506
• Dealer Services: (800) 873-0090
• Payment Assistance: (800) 634-1506 (same as customer service, but specify your need for payment assistance)

It's best to call the Customer Service line for general inquiries and the Dealer Services line if you're a dealership partner. — Week 3 Who To Start: Your Ultimate Guide

When to Call Customer Service

Calling customer service can help with a range of issues, including:

• Questions about your account balance
• Making a payment arrangement
• Updating your contact information
• Disputing a charge
• Understanding your loan terms

When to Call Dealer Services

If you're a dealer, you might call Dealer Services for:

• Setting up a new account
• Questions about program guidelines
• Submitting contracts
• Checking on the status of a deal

Other Ways to Contact Credit Acceptance

Besides phone, Credit Acceptance offers other ways to get in touch:

• Online Portal: Existing customers can manage their accounts, make payments, and send secure messages through the online portal.

• Mail: You can send written correspondence to Credit Acceptance at: — Cooper Kupp's Interceptions: Game-Changing Moments

  Credit Acceptance Corporation P.O. Box 982041 Ypsilanti, MI 48198-2041

• Email: While they don't publish a general customer service email, you might find specific email addresses for certain departments on their website or in your loan documents.

Using the Online Portal

The online portal is a convenient way to manage your account. You can:

• View your balance
• Make payments
• Update your information
• Send secure messages

To access the portal, visit the Credit Acceptance website and click on the "Customer Login" or "Dealer Login" link.

Tips for Contacting Credit Acceptance

Here are a few tips to make your contact with Credit Acceptance as smooth as possible:

• Have your account information ready: This includes your account number, social security number, and any other identifying information.
• Call during business hours: Customer service and dealer services have specific hours of operation. Check the Credit Acceptance website for the most up-to-date hours.
• Be clear and concise: State your issue clearly and provide all necessary details.
• Take notes: Write down the date, time, and name of the person you spoke with, as well as a summary of the conversation.
• Be patient and polite: Customer service representatives are there to help, but they may be handling many calls. Remain calm and courteous.

Understanding Credit Acceptance's Services

Credit Acceptance specializes in auto loans for individuals with less-than-perfect credit. They partner with dealerships across the country to provide financing options for customers who may have difficulty getting approved for a traditional loan. — Fryeburg, ME Weather: Forecast & Conditions

How Credit Acceptance Works

Credit Acceptance doesn't directly lend money to consumers. Instead, they work through dealerships. Here's how it generally works:

1. You apply for financing at a dealership that partners with Credit Acceptance.
2. The dealership submits your application to Credit Acceptance.
3. Credit Acceptance reviews your application and makes a decision.
4. If approved, Credit Acceptance purchases the retail installment contract from the dealership.
5. You make your payments directly to Credit Acceptance.

Interest Rates and Fees

Because Credit Acceptance works with borrowers who have credit challenges, the interest rates and fees may be higher than those offered by traditional lenders. It's crucial to carefully review the terms of your loan before signing any documents.

According to Credit Acceptance's 2022 annual report, the weighted average contract rate for retail installment contracts purchased was 23.9%. Fees can also vary depending on the specific loan agreement.

Frequently Asked Questions (FAQs)

What is Credit Acceptance's customer service number?

The customer service number for Credit Acceptance is (800) 634-1506.

How can I make a payment to Credit Acceptance?

You can make a payment online through the customer portal, by phone, or by mail. See the "Other Ways to Contact Credit Acceptance" section for details.

What if I'm having trouble making my payments?

Contact Credit Acceptance's payment assistance line at (800) 634-1506 as soon as possible. They may be able to work with you to find a solution.

How do I access my account online?

Visit the Credit Acceptance website and click on the "Customer Login" link to access your account.

Does Credit Acceptance report to credit bureaus?

Yes, Credit Acceptance reports your payment history to the major credit bureaus. Making timely payments can help improve your credit score, while missed or late payments can negatively impact it.

What are Credit Acceptance's business hours?

Business hours can vary, so it's best to check the Credit Acceptance website or your account information for the most up-to-date hours of operation for customer service and other departments.

How can a dealership partner with Credit Acceptance?

Dealerships interested in partnering with Credit Acceptance should call the Dealer Services line at (800) 873-0090 or visit the Credit Acceptance website for more information.

Conclusion

Contacting Credit Acceptance is straightforward when you have the right information. Keep the customer service and dealer services phone numbers handy, and remember the online portal for convenient account management. Whether you're a customer with questions or a dealer seeking partnership, Credit Acceptance provides multiple avenues for communication.

If you need further assistance, don't hesitate to contact Credit Acceptance directly using the methods outlined above.