ZERO STARS! Absolutely horrible to deal with! They take money even after the car was paid off then took WEEKS and MULTIPLE phone calls to be reimbursed for the money that never should have been taken out of my account to begin with! PLEASE do not use these scam artist! read more

The warranty company this company uses for my vehicle put a non-OEM junkyard transmission in my truck without my permission saying it was OEM stay far away read more

Credit Acceptance doesn't care about disabled people. I have been paying on a car for almost 6 years at 25% interest. When I was down to owing my last $738 they repossessed my car. They did not send me a piece of mail, text, phone call or notification through their app. I was injured in a car accident that was not my fault and am now disabled. I called them to see if they had a program to help people in my position who were not able to make their regular monthly payments. I was told that they offer no such programs at all. When I asked them why I was not notified prior to them repossessing my car I was told, " That would be a common courtesy , and we don't have to offer you anything of the sort. You know you owe us the money". So in her own words she let it be known that they don't give a s*** . They are only concerned with GREED. The principle on this car was paid off years ago. Even my credit card company offers a credit protection plan in case of financial hardship. But not Credit Acceptance. They simply don't care. And they are the rudest, most unprofessional, nastiest people that I have ever dealt with in my entire life. I don't care which rep you get because they are all that way. Whatever happened to compassion and integrity? Well this company doesn't know what either one of those things is. I would never recommend Credit Acceptance to anyone. read more

I am absolutely disgusted with the way Credit Acceptance handles their own errors. Five days ago, I called and spoke to a representative to make a payment arrangement. We agreed to change both the payment date and amount. It was crystal clear. I did my part. But today, without warning, they took almost $500 from my account--the exact amount we agreed not to process. When I called, their reps admitted they saw where the change had been made and then "deleted." A system error, they said. But somehow, I'm the one left paying for their mistake. First, they told me to wait until the payment posted to my bank account before they could even talk about a refund. So I did. I checked--it was posted. I called again, verified everything with my bank on a 3-way call. My bank confirmed the payment had gone through with zero disputes. Everything lined up. And still? I was placed on hold, shuffled around, and told that even though they admit it's THEIR ERROR, I have to wait two more days to get my own money back. Apparently that's "policy." A policy that somehow morphed between phone calls. The absolute kicker? One of their reps told me I should be grateful they're refunding me at all, because with an active loan, they "don't have to." Grateful?! For a refund of money they stole because of a glitch in their system? This money was for food and utilities. And now my family is left scrambling because of their incompetence and complete lack of urgency or accountability. No apology. No empathy. Just policies, blame-shifting, and arrogance. If you're considering doing business with Credit Acceptance, don't. They will take your money, dodge responsibility, and then act like they're doing you a favor by correcting their own mistake. Absolutely shameful. read more

Horrible place don't use them. They run high interest rates, break laws on calling people other than you, they lie about amounts paid, all the hidden fees, lied about using my payments for their gap insurance. read more

Got a car through them. Fell behind. They repossessed it. Got it back after a week of towing company playing with me on the phone. CA gave me a higher payment due in 30 days. Still behind. I called them to speak with someone. Tell them that I could get the entire payment squared away in 2 weeks. Rep said ok and she will note the account . It's been four days since that conversation. They repossessed my car last night. They'll tell you anything on the phone. They are liars. Now they're saying my balance is 1200+. Thats 3 months. Its been 6 weeks since my last payment. Wtf read more

A 2019 Chevrolet Silverado 1500 was purchased on 2/23 for a financed balance of 15,904. The dealer was nice and seemed helpful with the process. The truck seemed great at first, drove like a dream for about a week before there were obvious need for repairs. Repair done in the first week included the fuel pump for fuel system check engine light, plugs and wires for the very prevalent misfires. Within the end of that week after those repairs were done the transmission started slipping and shifting hard into the gears causing more concern. When taken to a shop I was informed of another misfire that is believed to be a lifter issue which can cause catastrophic damage to the engine. When the dealership was notified that the repairs were going to be more costly than the value of the truck they tried to force the issue of using the extended warranty that was included within the financing. Moving onto the warranty company... they charged $2200 on top of financing the vehicle that I was not aware was an extra charge until I printed out the paperwork. When speaking with the warranty company, they informed me that they do not cover teardown, diagnostics or most of the labor for anything they deem "covered". For example if the repair facility takes 5 hours to diagnose and issue they pay 30 minutes of that. I'm a regular person that lives pretty close to paycheck to paycheck and work very hard to pay for the things I need for my family. I bought this truck in the hopes to have a decent vehicle but it has turned very quickly into a nightmare. read more

This company employees is very disrespectful you can explain all you want about your situation the employees will let you know that's not their problem then they threaten you about auctioning your car even though you coming back to get your car then they tell you to go get your property out the car even though you going to pay to get your car back this company have a bunch of no heart MF working I will never recommend this company to anyone if I had of known this I would have picked the other lien holder my car is dam near payed off and trying to auction my car off these employees needs Jesus badly need to respect your customers better then how you treat them funny employee told that's my problem how I get my car back they don't deserve no stars from me read more

Predatory lenders that partner with Lemon Dealerships to rob and swindle vulnerable people. Filed a complaint regarding one of their dealers that illegally sold me a salvage, flood damaged vehicle, the "investigation" was closed because they couldn't "validate my claim," solely based on their failed attempt to locate salvage records because their dealership partner is running a smooth scam scrubbing titles and rolling back odometers. I'm confident the photographs I collected verify my claim and make evident the vehicle never should have been offered for sale to anyone due to extensive structural damage not disclosed, and Credit Acceptance's partner's very lazy attempt to fill in a rotted frame with expanding foam. Additionally, their loan terms are designed to be confusing and deceptive to manufacture consent for them to rob you. I've received better customer service and more empathy from AI generation than from any of the vampires employed here. read more

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DONT FUCKING DO IT !!!! I WAS STUCK IN A CONTRACT EITH THEM FOR OVER 4 years!!!! The car I have was really over priced had quite a few bumps, dents , and scratches. It was a 2015 that was 11k but of course with the loan it added an extra 5k. I had been behind being laid off a lot and in between jobs they won't care still will charge late fee. They will hound you from many different numbers throughout the contract if you are late even one day. I ended up paying almost 20k for an old car when I could be in something better. They charged many repos on my car for being behind not even that far which was making it even harder to catch up with the bill plus all the other bills I had. At the time I was desperate for a car and knew I had to get around and the economy has been up and down since Covid. Please don't ever be that desperate to get anything from them it's not worth it. I would rather try my luck just buying a car paid in full that's just as reliable!!! DONT DO IT!!! read more

They are all working together to scam people out of their hard earned money. The Warrenty company wynns is a joke also. Let along the dealerships they work with. U purchase a vehicle a used car and the warranty is complete junk. read more

Crooks and scammers! I bought a vehicle from a friend who used Credit Acceptance . My bank sent Credit Acceptance a check for the payoff amount. i waited 30 days for the lien release to come and after it did not come, my bank called them to find out why, and they claimed to never have received the check. My bank canceled that check and sent them another one. Waited another 30 days and still no lien release so we called them again. They said there is a large difference in the amount of money they need to close out the account since some time had passed to get the second check. They will not send a lien release until it is paid. I am contacting my lawyer. This company needs to be shut down! read more

credit acceptance is the worst banking and credit people to deal with they finance you for a car that is either one a lemon or two that will only last three years and you had to put money into it or voluntary repo it. Then they hire an attorney to come after you, they are rude nasty individuals all the way to their attorneys. I will never get a loan through this company or deal with them. They are nothing but scammers that pray on people who don't have good credit. They are absolutely terrible. read more

I have financed about 4-5 cars and I have never felt more valued and comfortable with any other financing/banking establishment. I had serious hardship this past year and they have been nothing but patient and understanding and for that I thank you God bless. read more

This place needs to be investigated fast I'm not even kidding!!! They are ripping people off even people that are trying and work hard to pay there car payment they do not care they will repo your car and auction it off even after you paid it and not even let u know don't ever get a car loan through them plus the interest rate is as much as the car. They don't care about there customers!! 0 stars for me read more

Long story short my auto loan was paid off, but they ended up overpaying on my loan so credit acceptance cut me a check for just over $600 and sent it to me in the mail, but I never received it. This happened back in April, I wasn't allowed to cancel the check and had a new one issued until the 30 day mark. After 30 days I called had the check canceled had a new one issued and sent out to me but yet again I have not received the money that this company owes me. Called back again trying to get a tracking number but they've told me that they send these checks through UPS so they don't have one. They also won't allow me to talk to anyone in corporate or any of the billing department to figure out this issue and why I have not received the money after three months . They told me if I don't receive the check again in 30 days. I can call have it canceled and sent to my address yet again which as you can imagine won't reach me yet again I'm not sure how to get this resolved and to get the $600 check that they owe me , since no one will allow me to talk to anybody in billing or corporate or the company. I just want the money that is owed to me. I'm afraid I'll never receive my money, I'll be doing this for the rest of my life. read more

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. All the payments i made to Credit Acceptance were meant to be refunded to me on December 26th, and i STILL HAVE NOT GOTTEN IT as of January 24th. 7/10 reps i've spoken to have had absolutely no answer for me, supervisors are always off/on lunch/on call, etc. It's been almost 2 months of working with multiple different reps and it's being absolutely treacherous. I wouldn't recommended credit acceptance to anyone. I haven't been able to get a new vehicle for two months, and credit acceptance has done nothing to help me with that as of now. read more

One of the worse lending companies available to those who are truly trying! I understated its a business but just like any other business, things happen. Catastrophes happen! Covid happened and is happening but credit acceptance does not care about any of that! They will harass u, lie to the credit bureaus and even taint your credit history even u paid on time. I missed one payment, but every payment after that, I made on time. You think credit Acceptance reported that right? Nope, every month after that I was reported late even if I paid extra like they asked me. I even told them I was affected by covid and was laid off, they did not care. Attached u will see what I mean. read more

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I was a dealership who worked with the bank unfortunately I had the wrong people working for me who ruined my relationship with the bank. Today as I called to resolve some issuea I had the unpleasant opp to speak with Andrew Rostami the most rude and unprofessional individual ever. I had 9 account I had questions over and he didn't want to help, I mentioned to him I understand their a lot but I need help because the checks are lost his answer was "yes I want to get off the phone." he told me he didn't feel comfortable helping me because I was asking questions about old accounts and kept changing my story. first of all I have no time to sit here and make up stories when I am trying to resolve issues. everyone before him has been so helpful but he truly made me feel like crap. Total pos hung up on me while I was speaking told me to call someone else. The treatment during trainings and seminars whiel they want your business is immaculate but after it's dead ends. I resolve nothing by writing this because at the end of the day they have money and are going nowhere but this is to bring awareness about this specific individual since I have no one else to complain to. if you see this humble yourself life takes crazy turns! read more

This is the worst company ever the one 5 star they have is probably an employee. that was paid to give them a high rating they call at all hours of the day using robo callers when you try to reach them you are on hold for hours until you get tired of waiting read more

The worst a bunch of liars they claimed to have went into my bank account through auto pay to retrieve payment the bank said nothing came through only to charge me 30 dollars late fees! Don't trust this company! And the staff over the phone was rude the supervisor too! Over talking me just rude! Don't do business with them! Please Nope not the first time this has happened this is not a good company to do business with Do Not! read more

this company is all about the bottom more than most...my car sits for over 2 months taking space in my apts complexes' parking space! the trans is out after only 2 year's.this 2012 ford focus is a lemon,raw egg,high mileage piece of dirt crap, so is this company. PLEASE! if you have bad or poor credit stay away from credit acceptance. just save up for a car..the bus is more reliable, a taxi,uber.and a horse than the cars they finance! read more

they is the worst place to get a car from they repo your car and make you pay ur money and schedule you a day to pick your car up i walked into hell wen i went thru them i paid my money and some lady got smart and was talking shi bc i asked her why did they take things out of my car knowing they told me i had til friday to pay to get my car and i paid i day before and now i got to want to pick up my car and i payes my money these people are so rude and nasty attuide read more

Worst financial company I've ever worked with. From the beginning, paying $500/month for 2 and a half years now on a $20k vehicle and they told me my payoff amount is $17k!? I just found out that they are having me pay $10k in interest first for doing business with them. I'm trying to end things as soon as possible! Do not ever consider Credit Acceptance, no matter what "deal" they offer you. read more

I purchased a vehicle in 2022. the price of the car was less than $7500. my interest on the the was as much if not more than the sale price. making my loan almost 3 times what the car was worth. read more

I had a very bad experience with credit acceptance corporation they're the worst company I've ever used I paid my truck off in full November 26th 2029 I don't understanand they still to this day which is no February 5th 2021 and they still have not reported it to the credit viewers The credit viewers are still reporting my car delinquent payments and it has been paid off.someone needs to do something about these people not reporting when you pay off things ,but they immediately report when you are late. it's damaging my credit and they won't do anything about it Don't ever use credit acceptance worst company ever it sucks read more

This place is not one that I want to be at long. Yesterday i called to set up automated payments and made my 1st payment. My husband asked me about it this morning and it was not taken out of the bank. Not pending, and even showed me having a late payment when i logged in. I called and was told the confirmation number that the lady gave me was just for automated payments. Even though it says paid the payment. So since they couldn't find the payment and it wasn't in my account as holding i had to make another payment. When i did so online, it SPECIFICALLY said, are you sure you want to make a duplicate payment. So i call AGAIN, only to be told they needed to het that payment....Since our credit was bottom of the barrel we had to start some where, but let me tell you, we won't be down here long. read more

Credit Acceptance - Auto Loan Providers Near Me - Southfield, Michigan

Be aware that when signing this contract if you intend to make additional payments to pay off your loan early they do not allow principal only payments. Any additional payments above and beyond your required monthly payments still get applied to both principal and interest. They calculate the entire amount of interest to be paid over the life of the loan and add it to the amount owed at the time the account is set up and that is your current balance that payments get applied to even though that interest isn't really due yet. Pretty predatory tactic. Definitely not something they discuss in detail when you're signing documents. This is the first time I've ever encountered something like that. Very shameful how they take advantage of people. read more

The only thing good I can say about these people is that they will give a loan to people based on their income instead of their credit score. I recently paid off my loan through them after 3 years. It's been over 2 months, and I still have not received my Title. And, yes, I have called them numerous times. They either don't know what they're doing, or else they simply don't care. So, unless your credit is not the best and literally have no choice, I would avoid this company! read more

I wish I could not give a star they are the worst they hide behind the car dealership then after u sign documents they tell u that this is the lender and u get in and the very first month u see the interest rate they charged you 3x the car price my car is $7000 they charge me $24000 I didn't know that until after signing then I set up auto pay they don't take it and keep adding late fee pleaseeee Runnnnnnnnn I learn my lesson the next time am asking the car dealer where is the loan coming from this company is bull shit I wish I could get away from them now I can't even sell the car because it has no value it's $7000 suckssss pleaseee read all reviews 1 star reflect their service it's accurate read more

Warning against dealing with Credit Acceptance for a vehicle loan. The company has been agreeing for a month that they wrongfully impounded my son's truck and they would reverse the fees associated with that. I have spoken with the company 12 plus times and spent over 2 hrs on the phone. Still not resolved. Please do not deal with this company. Deplorable customer service. Please share this. If you have any ideas of a lawyer or other avenues that can address this type of company, I would be happy to hear your ideas. Thank you. It is a shame you cannot give zero stars. read more

HORRIBLE customer service. This company is constantly giving me conflicted stories of my payment arrangement amounts. The rep Rebecca that I spoke to today didn't care AT all that the last rep had misinformed me that in 6 months would clear my past balance. Rebecca continued to throw my balance in my face. Clearly all of us are aware that we have balances to be paid - but the condescending demeanor was unnecessary. She was no help with my questions and why I was misinformed. BY FAR THE WORSE company I've ever had to call. read more

I was fasley misled into a loan contract on 06/09/2020 by credit acceptance and car right auto dealer. I was told by the car dealer as well as a representative from credit acceptance that I had a additional 60000 mile warranty after the dealer warranty expires. I called today to find out that isn't true. I was told today by a credit acceptance rep that the warranty expires afer 84001 miles or 24 months whichever comes first. I was never told this. I was told I had a additional 60000 miles by both credit acceptance and the dealer. Which is why i agreed. I had previously had transmission issues with my last car and this additional coverage is great to have. I was given paperwork from credit acceptance stating my warranty will begin at 60001 miles. I need this coverage, only to find out its nothing they can do. My interest rate is high at 22.99 %, I paid 2 times over the original price of my car. I was asked if i wanted to change my pmt date. I agreed and then was being charged late fees due to not paying on original loan date. Even though my autopay was set up for the 28th of each month. I found out this recently. I paid my car note and in the same month I received a repossession letter. The contract was not explained properly and tricked into this contract. I feel taken advantage of. read more

I would never finance through them. They ripped me off I paid 300.00 to my car payment and they took my money and post to another account. Because their phone app glitched. So instead of post to my account for my car payment they took my money and then tried to say they couldn't put in my account. Really wow. So what they do is try to take your payment then say they didn't get it and say you are behind. I even got them recorded saying it went to wrong account. But like I said it's all good and the fact that they were rude as well and ghetto talking like when did that become our new customer service smh. I would never go through them and I am spreading the word everywhere I go. DON'T USE CREDIT ACCEPTANCE THEY RIP YOU OFF!!!!!!!!! read more

Credit Acceptance is a horrible company to get a loan from and a horrible company to work for. I'm not sure how they're still placed in a great place to work because they aren't. Not only do they treat the customers like crap they TRAIN their employees to also. I've worked at banks all my life but needed an at home job during my pregnancy & boy I should've kept looking. You're trained to not have sympathy or compassion for others that already have bad credit and are looking to get help for transportation yet they make it worst. It's all about your BONUS and collecting money from the customers NO MATTER the situation. You're disciplined if you're not collecting or harassing people which EACH DAY you're suppose to call them 8 times. They're thrown into an automatic dialer just for missing one payment even if they're a day late. It's just nasty even the prompts we had to use. I was fired due to having to be on bed rest during my pregnancy they looked into my leave of absence note and called the wrong doctors office claiming my doctor gave them information which I know is a lie due to hippa laws. I called my doctors office and was informed they never spoke to them or gave them any information. What makes it so sick is I was off a week and they waited until I worked a few hours messaged me then called telling me I was fired due to a fake document. I just couldn't believe it but honestly was relieved because it's a stressful rude company. Customers don't take a loan from them they'll only ruin your credit and employees if you have applied look else where it's not worth it. The sad thing is they couldn't even verify who they called I will be putting in for wrongful termination just because of how they did things. read more

If I could give this company 0 starts I WOULD . 0/10 I wish I never financed through them & im glad their completely is being investigated because they lie on their contracts & steal money. Horrible costumer service & they make it impossible for you to pay off your loan read more

This company is unprofessional and they don't follow through on what they say. Set up auto payments online like they told me to but they redesigned their site and it wiped everything out FIVE TIMES. I filled the information in again, got the confirmation email that it was set up again, and again payments aren't taken out. They have the incorrect hours listed online and don't give a hoot how badly their faulty site or the defective tools they provide their agents ruin your credit. They have no problem reporting your missed payments though, even if their system is what caused the payments to be missed. read more

This company is the worst if you are going to buy a car from anywhere and you need a loan for the car please do not sign with this company is not bad is horrible and my experience has being really bad. The worst part I have to give them a star is to post here but really they don't deserved any star maybe negative stars. read more

I had a repo from them (mind u this is EIGHT YEARS AGO) I now have 2 car payments I am in good standing with this car was a piece of shit to begin with, and now there sucking $200 a week out of me on top of inflation, bills and 3 kids. definitely looking into a lawsuit. it's supposed to be off your credit after 7 years how is this even possible!??? read more

This company seems to be a joke. They declined me a vehicle loan when I have a credit score of 844 (per their decline​ letter). Apparently I don't carry enough debt for them. Of​​​​​​ course I received a loan from a major bank, and paid it off before the 1st payment was due. I'm about as low risk of a borrower as there is. ​​​​​​​​​ ​​ read more