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Frequently Asked Questions

What is the Credit Acceptance Program?

The Credit Acceptance program gives enrolled car dealers the ability to say 'YES' to every customer, regardless of your credit history. And, since we report to the three major credit bureaus, you can improve your credit with on-time car payments!

How do I make a payment to Credit Acceptance?

Follow your bank’s instructions for bill payments. Select Credit Acceptance as a payee. Select a one time or recurring payment. Direct your payment to P.O. Box 551888, Detroit, MI 48255-1888.* Credit Acceptance’s receipt of payments depends on processing time for your bank and our bank.

How long does it take for Credit Acceptance to receive payments?

Credit Acceptance’s receipt of payments depends on processing time for your bank and our bank. Payments are posted the same day they are processed by our bank. *Payments sent directly to Credit Acceptance instead of the P.O. Box generally take longer to reach us.

What are the payment hours for the Credit Acceptance business hours?

This payment option is available during Credit Acceptance business hours, 8:00 a.m. – 11:00 p.m. Eastern Time Monday through Friday, and 8:00 a.m. – 5:00 p.m. Eastern Time Saturday and Sunday. NOTE: Credit cards are not accepted. Payments are posted the same day if submitted to Paymentus by 11:45 p.m. Eastern Time.

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