SMART CHOICE A.
Customer service great,My rep is…
Customer service great,My rep is Amazing.

At Credit Acceptance, we believe in driving possibility for everyone. We were founded by a dealer for dealers, and our mission is to help independent and franchise dealers say yes to every customer. We do that by providing financing solutions that allow dealers to sell more vehicles, regardless of a customer’s credit history.As a leading subprime indirect auto financer, we empower dealers to offer financing to credit-challenged customers while expanding their business opportunities. We understand the challenges dealerships face in securing subprime auto financing, which is why we offer one of the best financing options for independent car dealerships. With fast approvals in 30 seconds or less, same-day funding, and full-spectrum financing options, we make it easier for dealers to secure financing for all types of customers while improving cash flow and operations.Our program helps dealers attract more subprime auto customers, generate repeat and referral business, and strengthen their bottom line. We also report to all three major credit bureaus, giving customers a chance to improve their credit while driving dealership success.Join the Credit Acceptance network today and unlock more financing opportunities for your dealership!
Credit Acceptance for Dealers (creditacceptance.com) has 586 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
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Showing 26 reviews with 3 stars · Clear filters
SMART CHOICE A.
Customer service great,My rep is Amazing.
Ed B.
I have always been a strong supporter of CAC, but the new system update is terrible! Things that used to be on 1 easy to use screen are now spread over multiple tabs and sub-screens. The system is now very difficult to use and determine what kind of deal you have. I will give 5 stars to our rep Eric Heisman! He NEVER declines a call for help, whether it's 8:30pm or he's at a poolside in Texas trying to enjoy himself. He is always willing to answer the phone and help with a deal!
Tanner F.
Jim Thrall is a great rep. He has always been knowledgeable, willing to help, professional, and a great resource of CAC knowledge. The program has become dated. I believe if a dealership is run right, it should out grow credit acceptance. I have lenders who will finance up to 125% of JD Retail before 7-10K in backed, reserve, limited fees, just as easy, not in a separate portal, and still give the customer a better payment and rate.
Ricardo V.
We have a harder time getting some one approve especially when we have paper work to prove. I have had more luck with Westlake financial and some of the local credit unions
Al Q.
Not very happy with credit acceptance lately. I can hardly get any deals through you guys done compared to before. Another huge negative is the amount of lender fees and money that I am not getting from closing pools. We have done alot of business with you guys in the past.
Eric L.
Too high interest rates
Alex
I like the ease of the system and my rep is really good at communicating. I dislike how advance can change drastically.
Response from Credit Acceptance for DealersMay 14, 2026
Hi Alex, thank you for your feedback. Someone from our team will be reaching out to learn more and help address your concerns.
Chad G.
The net checks on 95% of applications are not competitive with other lenders. Usually 3,000 to 5,000 less than other lenders.