Credit Acceptance Corp Reviews

I just bought my fourth car with Credit Acceptance. They have NEVER been rude or disrespectful to me. Last year when we experienced a hardship they worked with us when our other car financed with a much more well known lender refused to do so and repossessed our car. This purchase I qualified for GOLD status which meant I got a much lower rate and had to show no verifying documents. They approved me for the nicest car I've ever had for a very reasonable payment. Just be honest with them when you hit hardship, pay them when you say you are going to pay and you will be fine.

If I could, I would give Credit Acceptance 10 stars. When you’re down in your luck, they will work with you if you tell them the truth. I absolutely appreciate this bank’s customer support team. The only bank I respect!!!

Very rude, I have been paying them on time every month and never been late. I needed a little help this month and they won't work with me at all in Any kind of way. They offer nothing to help. Their interest rate is high. I have paid off my truck but still owe $15,0000 in interest. I would advise you not to use them at all. They just want their money and won't offer any help.

Credit Acceptance is, without question, the most unprofessional, disrespectful, and flat-out miserable loan company I have ever encountered. I would give them zero stars if it were possible. Consider this your warning: STAY FAR AWAY. Every single person I spoke with was unbelievably rude. Not just short or unhelpful — rude. It felt like their entire staff was trained to talk down to you, dismiss your concerns, and make simple issues as complicated as humanly possible. I interacted with multiple departments, and not one representative showed basic decency, patience, or competence.

Rated 1 out of 5 stars. Credit Acceptance is the worst… Credit Acceptance is the worst predatory finance company in the world!!!! They are not helping people, they are helping themselves, making millions of dollars off of less fortunate people. Charging 24% or 25% interest rates, practically doubling the price of the automobile that you're purchasing. If you pay extra money on your monthly payments, all of the extra money will go to the interest rates not the principal!!!! Credit Acceptance are the worst!!!! I would never in this life deal with them again, I would literally rather die first. You can make payments to them for a year straight and never miss a payment, or never be late on a payment, and the first time you're late they will charge you late fees.

I purchased my car in February of 2025, first payment was made March 2025, and I have had nothing but troubles since the first payment. I've been keeping an eye out on my account online and I have noticed that on the transaction section that would say it well they took the payment out of my account then like a week later it would reverse the payment but yet I never got the money back in my bank account, and I tried to talk to them about it and I was told to email them, so I did, then they acknowledged getting the email, and said they would respond within 48 or 72 hours have not heard one word from them, and it's been over a month.

I’m only reviewing the 2 year warranty that I purchased in conjunction with my loan. Save your money. They are worthless. They either don’t cover parts that you need or will only pay a small amount of their cost. The warranty is not worth the paper it’s written on.

I feel that this company could lower interest rates for individuals who are rebuilding credit, I have not had a great experience with their extended warranty company and I definitely had an awful experience with Hertrich Hyundai's service department, don't know who to trust with repairs!

The worse extended warranty company I've ever had. Customer service is very rude, hood & needs a reality check. No matter what your deductible is, they find a way to charge you more, even when your covered for such part or repair and the rental reimbursement sucks, why do I have to submit so much paperwork for my refund, when you get all the documents from the repair shop. I can't wait until this company is sued, they deserve it, straight rip off.

This company loves to invest in lemon dealerships. They are not cooperative or understanding, they have loose network security and do not believe in good business. They invested in a dealership that was known to sell lemons. I have two young children and have to risk their life because of the car the dealership sold me. I asked if I could have my payout reduced and they denied any help whatsoever. I have now put over $10000 in fixes in this car.