Credit Acceptance Corp Reviews

I took out a loan through Credit Acceptance in 2020 with a 22.99% APR — extremely high even for subprime financing. After I moved abroad, the company repossessed my vehicle in 2024, claiming it was “involuntary” even though I had contacted them beforehand to discuss surrendering the car. They claim they mailed notices, but I never received them — and they never contacted my father, despite having his address on file.

These people will repo your car when you've paid. It's obvious that the majority are severely uneducated and the bottom of the barrel. They call you asking YOU to verify who YOU are. The lowest form of customer service I've ever seen. Low class in the head and **. If you choose to work with them; be prepared to fetch your car after they bring it to another state for auction.. when you are current in payments. You've been warned.

Unless you have no other choice do not deal with Credit Acceptance. Only reason I did someone hit me and they insurance had not paid my car off yet and credit acceptance one of company give loans no matter what. I wish I had got a rental and waited but can’t how I’m stuck now unfortunately. Wynn’s the warranty department and Credit acceptance work together to scam I think. All I can say take your time, wait, find a fair company that want you to come back, not just want to scam and take from peoples for that moment. Credit Acceptance don’t care cause trust and believe they know they day coming soon. Credit Acceptance don’t care bout the car or warranty you pay to them. Run please run or cancel that warranty. They ain’t going to pay or help pay to repair. NOTHING. Nobody cares. That’s how you know they all are working together

My payment was due yesterday, there is a 10 day grace period. They called early this morning and left a message to call them. Then they called again. I said hello and she hung up, then again and finally talked with someone to let them know I will pay the rest Thursday. Why are they stalking me after a day? This is the worst company to get a loan through. Run the opposite direction if they want to "help" you. Plus my car has been in the shop more than I have driven it. They don't care about anything but their payment. I will be more aware next time.

Not everyone accepted this is a scam. False statements made, most dealers laugh at the concept of this, embarrassing time at dealer when he pointed to door and said my approval wouldn't buy his lunch or my gas to dealership.

I have always been early paying my car payment, and one time I am a day late, they call me threatening me that they are going to repossess my car and send me to collections. This company is a joke and I want to tell anyone AND EVERYONE NOT TO FINANCE ANYTHING WITH THIS AWFUL FINANCE COMPANY.

Absolute nightmare. Between being lied to about the truck that I purchased through their certified dealer then pointing out numerous times I was sold warranty and gap illegally not agreed to and not paid for my trade in and having the whole situation in court and being told since the truck is illegal to be on the road and told by Credit acceptance staff I would not be charged a penny until the court case is done and truck is made legal to have them hit my credit report and now harass me about money due even after playing back my recording of the people. Stating the obvious I definitely would not recommend these people to anyone. Believe me you're better on foot or save and finance elsewhere. Definitely wouldn't want anyone else to go through the nightmare I am.

I’m incredibly frustrated with my experience with Credit acceptance. I got a car through Central Truck in Auto and financed it through credit acceptance. The dealership closed, and there was complications with obtaining the title, so credit acceptance never technically owned the car. It was incredibly difficult to explain this to them, and long story short they settled on giving me a refund on December 26th, after my account was closed on December 6th. They left me on hold for 15+ at LEAST every single call, and I was always transferred and never told a straight up answer.

Finance manager helped set up her auto payment before delivery was even taken of the vehicle - with the bank information double, even triple-checked. Fast forward to the first payment due date, and nothing comes out of her account. Call #1 and "customer service" rep (what a joke) says "we show payment was made. Next day, when payment still didn't even show in the banking clearing house - I logged in to the account and it still showed payment was made.

Credit Acceptance will not release my title to my paid off vehicle. It's been over a month since I paid it off. Talk about horrible customer service. They basically told me I had to wait till they decided to release it due to holidays. I didn't have to wait for them to cash my 9231.00 dollar check. They will not give me an ETA on my title and hung up on me. Don't ever use these people. I'm contacting the Attorney General's office here in Arizona. I'm a Senior Citizen and a Veteran. This is what the world has come to. I'm also contacting the news 3 on your side. I want what's mine and what I paid for.