Credit Acceptance Guest Payment: Any monthly payment unpaid more than 30 days after the payment due date listed in your contract will be reported as delinquent.
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 can I use the Customer Portal to set up AutoPay?
On the web:
a. Log on to the Portal for Customers.
a. Select Enrol in AutoPay if you don’t currently have an autopay schedule, or Select Modify AutoPay if you do.
c. Click Next Step after choosing your payment option.
• Debit cards and bank accounts (via the ACH payment option) can be used to make payments.
• By clicking Add New Payment Method, you can use a new payment method or use one you have already saved.
• The card number, CVV, expiration date, and name of the cardholder are required for new debit cards.
• The sort of bank account (checking, savings, or money market), the account number, the routing number, the bank name, and the account holder’s name are required for new ACH payment methods.
d. Decide on the amount, frequency, start date, and end date (if desired) of your payments.
• Monthly: Every month on the same day
Weekly: every week on the same day
• Every other week on the same day, bi-weekly
• Semi-Monthly: Same dates each month, two days of choice
Economic Impact Payments: Are you eligible for the November $1000 stimulus check?
Ways For Credit Acceptance Guest Payment
Options for No-Fee Payment:
AutoPay
Checking or savings account, debit/ATM card
REMEMBER: We do not accept credit cards.
• Open the Customer Portal and log in.
• On the main page of the Portal, select “Enrol in AutoPay.”
• To set up AutoPay, follow the setup steps.
The timetable that the customer specifies will be followed for the posting of payments. Recurring payment adjustments must be made one day before the following scheduled payment date. We process payments on all days of the week, including holidays. It is possible to set up or change recurring payments every day of the week, including holidays.
Money Order or Check through the U.S. Post Office
On your cheque or money order, please provide your payment coupon and Credit Acceptance account number. Don’t send money. Send only your coupon and no further correspondence.
Mail to:
Acceptance of Credit
Letterbox 551888
48255-1888* Detroit, MI
If payments are received by 5 pm ET, they are posted the same business day. After-hours payments will be handled the following business day. It is advised that payments be mailed seven days prior to the due date.
If you need guaranteed funds, send a money order to:
Acceptance of Credit
West 12 Mile Road, 25505
48034 Southfield, MI
Payments made to Credit Acceptance directly, as opposed to the P.O. Box, typically arrive to us later. Direct payments to Credit Acceptance will be posted the same business day if they are received by 5 p.m. Eastern Time.
In Person
Payments by cheque or money order should be dropped off at the drop box outside the Credit Acceptance office, which is situated at 25505 West 12 Mile Road in Southfield, Michigan. Cash should not be placed in the drop box. Put your account number on your money order or cheque.
If payments are received by 5 pm, they are posted on the same business day. PM.
Phone: Automated Fund Transfers
Speak with a Credit Acceptance Representative to arrange for automatic withdrawals from your checking or savings account, debit card, or ATM.
REMEMBER: We do not accept credit cards.
To set up free automatic recurring payments on a weekly, biweekly, semi-monthly, or monthly basis, call 1-800-634-1506.
Payments are posted in accordance with the timetable that the client specifies. Recurring payment adjustments must be made one day before the following scheduled payment date. We process payments on all days of the week, including holidays. During Credit Acceptance business hours, which are 8 a.m. to 11 p.m. Eastern Time on Monday through Friday and 8 a.m. to 5 p.m. Eastern Time on Saturday and Sunday, this payment option is accessible.
Optional Fee Payments:
Rebuilding your credit can be facilitated by paying your auto loan on time. To view publishing timings, choose one of our fee-based payment options.
Guest Payment Online
Checking or savings account, debit/ATM card
REMEMBER: We do not accept credit cards.
$3.75 for a PC or mobile device
If payments are received by ACI by 11:45 p.m. Eastern Time, they are posted the same day. We process payments on all days of the week, including holidays.
One-time payment online
Checking or savings account, debit/ATM card
REMEMBER: We do not accept credit cards.
• Open the Customer Portal and log in.
• On the main page of the Portal, select “One-Time Payment.”
• To make a payment, adhere to the guidelines.
$3.75 for a computer or mobile device
If payments are received by ACI by 11:45 p.m. Eastern Time, they are posted the same day. This mode of payment is accessible around-the-clock, every day of the week, including holidays.
In Person
$5.00 for CheckFreePay.
Proceed to a CheckFreePay location with your payment. Go to www.checkfreepay.com to locate a location in your area.
If payments are made to CheckFreePay by 11:43 p.m. Eastern Time, they are posted that same day. This mode of payment is accessible around-the-clock, every day of the week, including holidays.
CurrencyGram: $7.99
Proceed to a MoneyGram location with your payment and enter the code 4093. Find a location near you by calling 1-800-926-9400 or visiting www.moneygram.com.
If payments are sent to Money Gramme by 10:00 p.m. Eastern Time, they will be posted the same day. This mode of payment is accessible around-the-clock, every day of the week, including holidays.
$8.50 for Western Union
Use the Code: Acceptance MI at a Western Union facility while making your payment. Find a location near you by calling 1-800-325-6000 or visiting www.westernunion.com.
If payments are sent to Western Union by 10:00 p.m. Eastern Time, they will be posted that same day. This mode of payment is accessible around-the-clock, every day of the week, including holidays.
Call: One-Time Only Payment
Through an automated phone system or a Credit Acceptance Representative using a checking or savings account, debit card, or ATM
REMEMBER: We do not accept credit cards.
Dial 800-634-1506 now.
$3.75 for an automated phone system
If payments are received by 11:45 p.m. Eastern Time, they are posted that same day. This mode of payment is accessible around-the-clock, every day of the week, including holidays.
Representative for Credit Acceptance: $9.95
Money is posted on the same day. During Credit Acceptance business hours, which are 8 a.m. to 11 p.m. Eastern Time on Monday through Friday and 8 a.m. to 5 p.m. Eastern Time on Saturday and Sunday, this payment option is accessible.
Individual Banking
Over the internet using a checking or savings account at your bank.
For information on fees, contact your bank.
Pay bills according to the directions provided by your bank. Choose Credit Acceptance as the recipient. Choose between a one-time and ongoing payment.
Send payment to Detroit, MI 48255-1888, P.O. Box 551888.
Payment receipt via Credit Acceptance is contingent upon the duration of processing for both your bank and our bank. Payments are posted on the same day as our bank processes them.
Payments made to Credit Acceptance directly, as opposed to the P.O. Box, typically arrive to us later. Direct payments to Credit Acceptance will be posted the same business day if they are received by 5 p.m. Eastern Time.
A payment will be made to your Credit Acceptance account as soon as it is received. This does not imply, however, that your financial institution or card issuer has received and processed the payment. Payments are typically handled in two business days, but you’ll need to verify that the funds have actually been taken out of your account with your bank or credit card company.
