Commonly Asked Customer Questions

To make a payment, or set up recurring automatic payments online click here, go to http://www.creditacceptance.com/make-a-payment or access your Customer Portal account in the Credit Acceptance Mobile App ("Mobile App").

What are my payment options?

We offer several convenient payment options for making your monthly payment. To view the options, click here, go to http://www.creditacceptance.com/make-a-payment, or log in to your Customer Portal account in the Mobile App and click Make a Payment.

What is your payment mailing address?

Below is our official payment mailing address. Please be sure to include your payment coupon and your account number on your check or money order.

Can I change a payment date?

The payment dates cannot be changed as they are based on the original contract that was signed. Additionally, making a payment arrangement does not change how we report to the credit bureaus. Any monthly payment unpaid more than 30 days after the payment due date listed in your contract will be reported as delinquent.

Does Credit Acceptance have a grace period?

No. You are required to make each payment on the due date specified in your contract with us. Even if you make a payment arrangement, payments received after the due date listed in your contract will be considered past due, and any monthly payment unpaid more than 30 days after the payment due date listed in your contract will be reported as delinquent. If unforeseen circumstances prevent you from making payments on time, please notify us as soon as possible.

How will I know my payment was made or scheduled successfully in the Customer Portal?

Once a payment is submitted, you will receive an on-screen confirmation on the web and in the Mobile App. If you would like, you can print the confirmation receipt or take a screenshot in the Mobile App.

• Refer to Can I look up my previous payments? for guidance in viewing your Transaction History.

• Refer to How do I view my upcoming scheduled payments in the Customer Portal? for guidance in viewing any future scheduled payments.

When will my payment, my new autopay schedule, or my change to a payment or autopay schedule be visible in Credit Acceptance's system?

To determine when a payment, new autopay schedule, or a change to a payment or autopay schedule will be visible in Credit Acceptance's system, refer to the chart below:

Up to two hours from the time of submission.
• Most transactions will only take up to five minutes to apply to the account, unless the action was made between 12 p.m. and 2 p.m. ET.

Note: This does not mean that the payment has been processed with your financial institution or card issuer.

How will I know that my payment was processed in the Customer Portal?

Once a payment is submitted, it will be posted to your Credit Acceptance account. However, this does not mean that the payment has been processed with your financial institution or card issuer. Payments are usually processed within two business days, but you will need to confirm with your financial institution or card issuer that the money has been withdrawn from your account.

Are there fees associated with the different payment options?

What payment methods can I use to set up my payment in the Customer Portal?

• The debit card option has pictures of common cards used, such as Mastercard, Visa, and Discover. These payments can only be made by cards that are designated as a debit card or a pre-paid card (no credit cards will be accepted).

The payment buttons are not working. How do I get these fixed?

Call Credit Acceptance at 1-800-634-1506 to report the issue. Be prepared to provide the following information:

• Your Name

• Account Number

• Device Brand and Model Number

• Operating System and Operating System Version

• Browser and Browser Version

Why can't I set up an ACH payment?

If within the past sixty days there were two payments made to your account via ACH which were returned due to non-sufficient funds (NSF), neither the Buyer, Co-Buyer, nor an authorized third party can pay via ACH or update an AutoPay schedule to use an ACH. However, you may pay with a debit card or any other payment options (e.g. Western Union, MoneyGram, Check Free Pay). You may pay via ACH sixty days after the first NSF ACH payment was attempted.

Can I look up my previous payments?

• This will bring you to a scrollable window showing the transaction history.

• If you do not see the Transaction History link and would like a copy sent to you, or you have any questions or concerns about a transaction that has been posted to your account, please contact us at 1-800-634-1506.

b. Click the View Transaction History button to open a list of previous payments.

How do I make a one-time payment in the Customer Portal?

You have the option to make a one-time payment through the portal, on the web (detailed below), in the Mobile App (detailed below) or through the guest payment option (detailed in the question Can I make a payment without logging into the Customer Portal?).

b. Click the PAY ONLINE (or ONE-TIME PAYMENT, if currently enrolled in AutoPay) link in the Payment section of the home screen.

• If you are a first-time user, enter the bank account information or click ADD NEW CARD to use a debit card as the payment method.

• If you are a returning user, you can either add a new payment method or select a payment option that has been used before.

• Payments can be made using a debit card or bank account (through the ACH payment option).

• For debit card payments, you will need the card number, expiration date, zip code, CVV, and card holder name.

• For ACH payments, you will need the routing number, type of bank account (checking, savings, or money market), account number, and account holder name.

Note: Once the payment amount is selected, the ACI processing fee will automatically be added to the selected amount and the total amount will populate.

• If any information is incorrect, click BACK to return to the previous screen and update the information.

• If the DUPLICATE PAYMENT ALERT pop-up screen appears, click the appropriate option.

• If desired, you can print or save the receipt from the Payment Successful screen.

• Payment Successful confirmation screen:

• If an error appears after clicking the PAY button, click the Contact Us tab to contact Credit Acceptance.

• See Other Saved Payment Methods for information about saving your payment methods for future use.

Note: Updating the saved payment method in a one-time payment does not automatically update the payment method for any future scheduled payment.

b. Select the desired type of payment method (new debit card or new bank account or Saved Payment Method):

c. Add the required debit card and/or bank account details (checking the box to save for a new payment method if desired) and click Next.

• For debit card payments, you will need the card number, expiration date, zip code, CVV, and card holder name.

• If the customer wants to save the new payment method and checked the box for saving the payment method to their wallet, advise them to click Save Debit Card/Save Bank Account.

• For ACH payments, you will need the routing number, type of bank account (checking, savings, or money market), account number, and account holder's name.

• $3.75 ACI processing fee will be added to the payment amount.

• The maximum payment amount for one-time payments is $2,500.

g. Check the box agreeing to the E-Sign Consent Agreements and the Terms and Conditions and click Pay.

Do I need to make my payment today, or can I schedule it for a later date?

You can make a payment today or schedule a payment for a later date. When completing the Payment Information screen, click on the calendar icon in the PAYMENT DATE field and select a date to schedule a payment in the future. The payment receipt will show the details of the future payment.

• Refer to How do I view my upcoming scheduled payments in the Customer Portal? for guidance in viewing any future scheduled payments.

How do I view my upcoming scheduled payments in the Customer Portal?

You can view your upcoming scheduled payments in the Customer Portal on the web and through the Mobile App.

Note: This section discusses upcoming scheduled payments that are not scheduled through AutoPay. Payments related to AutoPay can be viewed in the AutoPay section of the Customer Portal or the Mobile App. See How do I locate the details of my AutoPay Schedule in the Customer Portal? for more information.

Note: You will only be able to view any upcoming scheduled payments that were scheduled with a Credit Acceptance Representative or via IVR, Customer Portal or Mobile App. Any other forms of scheduled payments will not be viewable in the Customer Portal (i.e., scheduled payments through a bank).

• The next two non-AutoPay upcoming scheduled payments/payment arrangements will appear on the landing page under Other Scheduled Payments/Arrangements.

b. Click the See All Scheduled Payments/Arrangements link, if you would like to view any additional upcoming scheduled payments.

• A window will then appear showing upcoming non-AutoPay scheduled payments including the dates the payments are scheduled to be withdrawn, as well as any payment arrangements including the date by which you promised to make the payment.

• Upcoming one-time payments are labeled with One-time Payment, and a green checkmark with the word Scheduled appears to the right of the amount of the payment. The date of the upcoming withdrawal is also displayed.

• Upcoming payment arrangements are labeled with Upcoming Payment Arrangement. The date of the promise is also displayed.

• All upcoming payments will be displayed.

How do I change/cancel an upcoming scheduled payment in the Customer Portal?

Scheduled payments cannot be changed/canceled in the Customer Portal. If you would like to cancel a scheduled payment and set up a new scheduled payment, please contact us at 1-800-634-1506.

Can I make a payment online without logging into the Customer Portal?

c. Enter your Credit Acceptance Account Number and the last four digits of your social security number and click NEXT.

• For debit card payments, you will need the cardholder name, debit card number, expiration date, CVC/CVV, and billing zip code.

• For ACH (bank account) payments, you will need the account type (checking, savings, or money market), routing number, bank account number, and the bank account holder's name.

g. Review the payment information and select the circle indicating that you have reviewed the Terms and Conditions, and click PAY.

• Click the back arrow next to the account number if the information is incorrect.

• The PAY button will become enabled once the circle next to the Terms and Conditions has been selected.

Can I save my payment details when making a guest payment in the Customer Portal?

How do I set up AutoPay in the Customer Portal?

b. Click on ENROLL IN AUTOPAY if you do not have a current AutoPay Schedule or click MODIFY AUTOPAY if you have a current AutoPay Schedule.

• Payments can be made using a debit card or bank account (through the ACH payment option).

• You can select a payment method you have already saved or use a new payment method by clicking ADD NEW PAYMENT METHOD.

• For new debit cards, you will need the card number, CVV, expiration date, and card holder name.

• For new ACH payment methods, you will need the type of bank account (checking, savings, or money market), routing number, account number, bank name, and account holder name.

• Monthly: Same day, every month

• Weekly: same day, every week

• Bi-weekly: same day, every other week

• Semi-Monthly: Two selectable days, same dates every month

Note: For months where the 29th, 30th, or 31st of the month do not exist, the last day of the month will be used for payments scheduled.

• If all the information is correct, check the Terms and Conditions box and click CONFIRM AUTOPAY.

• If any of the information is incorrect, click Back to make any necessary changes.

• A payment receipt will appear on the screen. If desired, you can print or save the receipt. Depending on your contact preferences, you will also receive a letter or email from Credit Acceptance confirming the AutoPay payment schedule.

• If you click CREATE ANOTHER PLAN, you will be directed to the Payment Method screen to start a new Autopay Schedule.

• An email or letter will be sent by Credit Acceptance (depending on your contact preferences) to confirm the AutoPay payment schedule.

• To return to the main screen, click the Credit Acceptance logo in the top ribbon.

a. Log in to the Mobile App and review to determine whether an AutoPay schedule already exists (AutoPay flag will be On or Off depending on whether there is an existing schedule).

h. Choose an end date for the AutoPay Schedule (AutoPay schedules remain active until otherwise canceled), if desired.

i. Review the AutoPay schedule, check the box to consent to Terms and Conditions, and click Confirm AutoPay.