Pre-qualify for auto financing—no matter your credit.

We’re an indirect auto financer. You don’t finance directly with Credit Acceptance. Instead, financing originates with a dealership in our network and that agreement is later transferred to us. We then service the account and collect your payment each month.

A pre-qualification is an initial review of your credit history and personal information, to see if you are likely to qualify for auto financing. A pre-qualification is a soft-credit pull, and is not a final guarantee of credit or approval (which can happen at a dealership in the Credit Acceptance network).

By pre-qualifying before you visit a dealer, you’ll have the confidence to shop for vehicles with less worry about getting approved for financing. Our pre-qualification process also shows you a maximum monthly payment, which you can use to build your budget and determine how much you may be able to spend on a car.

No, because our pre-qualification is a soft credit pull it won’t impact your credit.

A soft credit pull only looks up basic credit history and information, which doesn’t affect your credit score.

A hard credit pull or hard inquiry happens when a lender requests your credit file from major bureaus to assess your creditworthiness and risk. Hard inquiries can lower your credit score temporarily, but their impact on your overall credit health is different for everyone.

Financing a car may impact your credit, depending on your payment habits. For example, by making payments on time every month you may see an improvement in your score.

n general, financing a car does require a down payment and usually the down payment is due at the time of purchase.

The amount of down payment depends on your budget. A minimum down payment will be determined once you have selected a vehicle from a dealership in the Credit Acceptance network.

Yes, you can add a co-signer to your financing application, which a dealer in our network will submit once you’re ready to purchase a vehicle.

Credit Acceptance financing may only be used at a dealer in our network. But with over 15,000 nationwide, there’s a good chance multiple dealers in your neighborhood are in our network.

No, the 3 dealers we match you with during pre-qualification are just recommended dealers in your local area. To find more dealers in the Credit Acceptance network, call us at (800)-634-1506.

No, because our indirect auto financing is only available through a dealer in the Credit Acceptance network. To find dealers, call us at (800)-634-1506.