Commonly Asked Customer Questions
Making payments
How can I pay online?
To make a payment , or set up recurring automatic payments online click here, go to https://www.creditacceptance.com/customers/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 https://www.creditacceptance.com/customers/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.
Credit AcceptanceP.O. Box 551888
Detroit, MI 48255-1888
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.
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?
Review all payment options and fees here: How to Make Your Credit Acceptance Payment.
Fee | Payment Option |
---|---|
No Fee | By mail |
In person | |
Setting up recurring AutoPay payments | |
$3.75 ACI fee | Automated telephone or Customer Portal one-time payment |
$9.95 ACI fee | Agent-assisted onet-time telephone payment |
What payment methods can I use to set up my payment in the Customer Portal?
Payment can be made using a debit card or with a bank account (savings, checking, or money market).
- 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 Maker, Co-Maker, 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?
You can view your Transaction History in the Customer Portal on the web and in the Mobile App.
a. Sign in to the Customer Portal.
b. Click the View Full Transaction History link.
Desktop view:
Mobile view:
- 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.
Desktop view:
Mobile view:
In the Mobile App:
a. Log in to the Customer Mobile App and select the account that you wish to view.
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?).
- Click Submit Duplicate Payment to make a duplicate payment.
- Click Cancel to cancel the duplicate payment.
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.
Note: Bankruptcy accounts cannot have future-dated 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.
- The next two non-AutoPay upcoming scheduled payments/payment arrangements will appear on the landing page under Other Scheduled Payments/Arrangements.
- 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 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.
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?
Note: You will not be able to save the payment method to the wallet while making a Guest Payment.
- For debit card payments, you will need the card number, CVV, expiration date, zip code, and card holder name.
- For ACH (bank account) payments, you will need the routing number, type of bank account (checking, savings, or money market), account number, account holder name, and bank name.
Can I save my payment details when making a guest payment in the Customer Portal?
- Clicking Save will pull up a CSV file of the payment details which will open in Excel or Notepad to save.
- Clicking Print will pull up a PDF of the payment details to save.
How do I set up AutoPay in the Customer Portal?
Desktop view:
Mobile view:
- 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
- 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.
How do I locate the details of my AutoPay Schedule in the Customer Portal?
- You can view other AutoPay schedules, but you can only edit or cancel existing AutoPay schedules that 1) you created and 2) have your name as the owner of the bank account or debit card.
How do I change my AutoPay Schedule in the Customer Portal?
- You can only change the AutoPay end date and the amount on the Schedule Details window.
- If the updates are incorrect, click Back to make any necessary updates to your AutoPay schedule.
- If all the information is correct, then check the Terms and Conditions button and click Confirm AutoPay.
- A payment receipt will appear on the screen. If desired, you can print the receipt. You will also receive a letter from Credit Acceptance confirming the receipt of the payment information.
- If you click Create Another Plan, you will be directed to the Payment Method screen to start a new Autopay Schedule.
How do I change my AutoPay payment method in the Customer Portal?
- You can view other AutoPay schedules, but you can only update AutoPay schedules that 1) you created and 2) have your name as the owner of the bank account or debit card.
- If you would like to use a new payment method, click Add New Payment Method.
- If the updates are incorrect, click Back to return to the make any necessary updates to your AutoPay payment method.
- If all the information is correct, then check the Terms and Conditions button and click Confirm AutoPay.
- A payment receipt will appear on the screen. If desired, you can print the receipt. You will also receive a letter from Credit Acceptance confirming the receipt of the payment information.
- If you click Create Another Plan, you will be directed to the Payment Method screen to start a new Autopay Schedule.
- You (and any third party that you authorized) can view other AutoPay schedules, but payment methods for AutoPay schedules can only be changed by the person that 1) created and 2) has their name on the debit card or bank account.
How do I cancel my AutoPay Schedule using the Customer Portal?
What are the different payment interval options for AutoPay?
- 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
I chose my Autopay withdrawal to occur on the on the 29th, 30th, or 31st of the month. What happens for the months where there isn't a 29th, 30th, or 31st of the month?
How do I view my payment arrangements (aka “promises“) in the Customer Portal?
- The next two non-AutoPay payment arrangements/upcoming scheduled payments will appear on the landing page under Other Scheduled Payments/Arrangements.
- The date listed with the payment arrangement amount is the date by which you promised to make the payment (labeled as Promised by date in the below image).
- A window will then appear showing any payment arrangements including the date by which you promised to make the payment, as well as any upcoming scheduled payments including the dates the payments are scheduled to be withdrawn.
- 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 set, change, or cancel payment arrangements (aka “promises“) in the Customer Portal?
What is the function of Other Saved Payment Methods?
- The Other Saved Payment Methods section only displays when you have multiple payment methods saved. If you have never saved a payment method or if you only have one payment method saved, the Other Saved Payment Methods section will not appear.
- The Saved Payment Methods section only displays when you have multiple payment methods saved. If you have never saved a payment method or if you only have one payment method saved, the Saved Payment Methods section will not appear.
How do I add and save a new payment method to my account?
- Payment methods can be added while making a payment or by clicking on the One-Time Payment button on the home screen.
- You can switch payment methods by clicking Add New Card/Add New Bank and clicking Continue on the pop-up.
How do I remove a payment method from my account?
- Payment methods can be removed while making a payment or by clicking on the One-Time Payment button on the home screen.
- If you want to remove a payment method listed under the Other Payment Methods section, select the payment method that you want to remove.
How do I update a saved payment method?
- If you want to update a payment method listed under the Other Payment Methods section, select the payment method that you want to update.
How do I get a payoff on my account?
How do I obtain a payoff quote online?
- We will alert you with one of the following screens if there is an apparent error in the mileage entered or if the VSC has expired.
- Third parties are not given the option to cancel VSC and will only be able to enter the vehicle mileage amount.
Why am I unable to get a payoff quote online?
I ran an online quote and received a quote over the phone and they do not match. Why?
I misplaced my quote - how do I get these amounts?
Can I receive a payoff quote inclusive of rebates for third party ancillary products?
As an authorized third party, can I run a payoff quote?
Can I refinance my vehicle?
How do I obtain a quote in the Customer Portal for the amount needed to release my vehicle after repossession?
- Review the amount you must pay to release your vehicle.
- Review the payment options.
- Call 800-716-7376 if you have any questions.
Why can I not see a quote in the Customer Portal for the amount needed to release my vehicle after repossession?
- There may be circumstances preventing you from seeing your release quote in the Customer Portal on the web.
- If you receive the following message, call 800-716-7376 for assistance.
Why am I getting an error message when trying to add a payment method?
Managing text alerts
What are text alerts?
- Text alerts are text messages sent by Credit Acceptance to a customer’s mobile device.
- The messages customers may receive include relevant account information and updates, standard monthly payment reminders, payment promise reminders, AutoPay payment reminders, and requests to call Credit Acceptance
How do I sign up for text alerts?
Note: You must scroll to the bottom of the Terms and Conditions in order to have the option to click the box and continue.
Will I be charged for text alerts?
- Credit Acceptance does not charge for text alerts, but standard mobile phone carrier fees for text messaging may apply
- Check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages
What is the “short code” at the top of the text alerts I receive?
- The outbound text alerts contain a five digit short code (878-24) at the top of the text in the place of an outbound phone number
- The five digit code is used to facilitate sending text messages and identifies Credit Acceptance as the sender
What does "standard text and data rates may apply" mean?
What text alerts might Credit Acceptance send me?
- Welcome message
- Payment Reminder message
- Promise Reminder message
- AutoPay Reminder message
- Payment Options message
- Education Resources message
- Payment Success message
- Payment Decline message
- Payment Correction message
- General Call message
- Vehicle Redemption message
- Remember, even if you have agreed to receive text alerts, you still may not receive one or either of the text alerts above, depending on the status of your account.
What text alerts might Credit Acceptance send me regarding the Credit Acceptance Feed?
- Credit Acceptance Feed – SMS 1
- Credit Acceptance Feed – SMS 2
- Credit Acceptance Feed – SMS 3
- Credit Acceptance Feed – SMS 4
- Credit Acceptance Feed – SMS 5
- Credit Acceptance Feed – SMS 6
- Remember, even if you have agreed to receive text alerts, you still may not receive one or either of the text alerts above, depending on the status of your account.
When are text alerts delivered?
What are the text commands to stop SMS messaging?
- Text STOP to stop all text messages
- Text STOP ALL to stop all calls and text messages to that phone number.
How do I opt out of text alerts?
Via text message | Reply or text STOP to 878-24 |
---|---|
In the Customer Portal | On the web (scroll down for Mobile App instructions): a. Log into the Customer Portal. b. Hover over the Profile area. Desktop view: Mobile view: c. Click the Phone Preferences link next to the phone section. Desktop view: Mobile view: d. Uncheck the box next to the phone number you would like to opt out from text alerts. e. Review and scroll to the end of the Phone Calls and Text Consent. Note:The Update Preferences button will remain greyed out and cannot be clicked until you scroll to the end of the consent screen. f. Click Update Preferences. Desktop view: Mobile view: In the Mobile App: In the Mobile App, you will need to: a. Sign into the Mobile App. b. Click the profile icon. c. Click the arrow under Account Settings for the desired account. d. Click the arrow next to Phone Preferences. e. Select the arrow next to the desired phone number. f. Click the desired phone preference option under Preferences, check the box after reviewing to agree to Phone, Text, and Email Terms and Conditions, and click Set My Contact Preference. Note: You must scroll to the bottom of the Terms and Conditions in order to have the option to click the box and continue. |
Over the phone with an agent | Call Credit Acceptance at 800-634-1506. |
Can I reply to text alerts?
- Reply HELP and you will receive a message providing a link to our FAQs about text alerts.
- Reply STOP to opt out of text alerts to the mobile phone number.
- Reply STOP ALL to opt out of text alerts and phone calls to the mobile phone number.
What happens if I reply to a text alert with something other than one of the supported responses?
Using the Customer Portal
How do I access my Customer Portal account?
In the Mobile App:
How do I create a Customer Portal account?
- Scrolling to the end of the Terms of Use, and Phone, Text, and Email Terms and Conditions is required before the customer can agree to the terms. Until the customer scrolls to the end of the Terms, the I Agree and Accept and Create buttons will be grayed out and unable to be clicked.
- The following screen will appear to confirm that the password was successfully created:
How can I log in to view my Customer Portal account?
- Make sure you have created a Customer Portal account first. To create an account, follow the steps in How do I create a Customer Portal Account?
Note: The verification code will only work for 15 minutes. If the code expires, click the Send New Code button.
I forgot my Customer Portal account password
I forgot my Customer Portal account email OR I cannot access the email registered to my Customer Portal account OR I used to log in with my Customer Portal account username and cannot remember what email is on file.
Why am I being asked to verify my account?
How do I change the email address used to log into the Customer Portal?
- Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Update button will be grayed out and unable to be clicked.
In the Mobile App:
Can I be locked out of my Customer Portal account?
Is the Customer Portal available using a mobile device?
How do I add another Credit Acceptance account to my Customer Portal access?
- You will only be able to add additional accounts for which you are the Maker or Co- Maker.
How do I view my Transaction History in the Customer Portal?
- 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.
How do I download a copy of the Transaction History from the Customer Portal?
How can I learn more about my Initial Balance in the Customer Portal?
- This link will provide an explanation as to how the Initial Balance is calculated.
How can I learn more about my Remaining Balance in the Customer Portal?
- This will provide an explanation as to how the Remaining Balance is calculated.
- You can also view additional remaining balance information by viewing the Transaction History as shown by following the steps below.
- Click the View Transaction History button.
- Click on any of the transactions from the list to view the Transaction Details screen.
How do I delete my Customer Portal account?
I opened the tutorial or a survey and now I can't do anything else. How do I get back to the rest of the Customer Portal?
How do I add a phone number in the Customer Portal?
- The best time to contact option and disclosure will only be available for personal phone numbers.
- You can select No Preference for the Best Time to Contact field.
- If a best time to contact option was selected, read the disclosure before clicking Update Phone for desktop view or Next for mobile view.
- Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set My Contact Preference button will be grayed out and unable to be clicked.
Why didn't Credit Acceptance call at the time that I selected as the best time to contact?
If I use the Customer Portal to update my Communication Preferences for one account, will it automatically update the other accounts I have as well?
How do I use the Customer Portal to opt-out of text messaging?
- You are required to scroll through the entire consent or the Update Preferences button will remain grayed out, and you will be unable to click the button.
How do I change an email address in the Customer Portal?
- Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set Email Consent button will be grayed out and unable to be clicked
How do I opt out of emails in the Customer Portal?
- You are required to scroll to the end of the Terms and Conditions, or the Update Preferences button will remain grayed out
Why am I being asked to update my contact information?
How do I update my Mailing and Physical Address in the Customer Portal?
How do I view my account documents in the Customer Portal?
How do I review my Retail Installment Sales Contract in the Customer Portal?
If | Then |
---|---|
An error message appears | Please contact us at 1-800-634-1506, if you would like us to send you a copy of the Retail Installment Sales Contract. |
The RISC appears | Clicking the link will download a copy of the Retail Installment Sales Contract that you can save to your desktop/phone and print as desired. |
How do I update my insurance information that I am being prompted for in the Customer Portal?
- MyInsuranceInfo.com is a third-party website Credit Acceptance uses to collect insurance information from its customers.
What is a Customer Portal message?
How do I Sign Up for Customer Portal messages?
What messages will I receive in the Customer Portal?
How do I view my Customer Portal messages?
How do I know I have a Customer Portal message?
What does the email "You have a message in your Customer Portal account" mean?
Can I stop receiving the "you have a message in your Customer Portal account"; email?
Can I opt out of Customer Portal messages?
Can I respond to a Customer Portal message?
Can I delete a Customer Portal message?
How can I view archived Customer Portal messages?
How long will read messages stay in the Customer Portal?
What is an authorized third party?
Can an authorized third party access the Customer Portal?
How do I authorize a third party in the Customer Portal?
- You are required to scroll to the end of the Terms and Conditions, or the Invite Third Party button will remain grayed out
What will an Authorized Third Party have access to in the Customer Portal?
How can I remove an authorized Third Party in the Customer Portal?
What can I do in the Customer Portal as an authorized third party?
How do I (an authorized third party) create an account within the Customer Portal?
- Link provided in the Authorized Third Party Invitation; or
- creditacceptance.com (only if you were already placed on the account by the Maker or Co-Maker).
If you choose to enroll through | Then |
---|---|
The Authorized Third-Party Invitation | Click the link to enroll included in the Invitation. Move to Step g |
Creditacceptance.com | Move to Step a |
- Scrolling to the end of the Terms of Use, and Terms and Conditions is required before the customer can agree to the terms. Until the customer scrolls to the end of the Terms, the I Agree and Accept and Create buttons will be grayed out and unable to be clicked.
Note: Once the validation is complete, the Create New Password screen will appear.
- The following screen will appear to confirm that the password was successfully created:
I am an authorized Third Party and I forgot my Sign In Email.
I am an authorized Third Party and I forgot my Customer Portal password.
I am an authorized Third Party and I cannot remember what email is on file with my Customer Portal account OR I cannot access the email registered to my Customer Portal account OR I forgot my Customer Portal account username and cannot remember what email is on file
I am an authorized Third Party. Why am I being asked to verify my account?
What does "The information you entered does not match our records" mean?
Can I be locked-out of my authorized Third-Party Customer Portal account?
How do I add an email address to my authorized Third-Party Customer Portal account?
- Scrolling to the end of the Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Set Email Consent button will be grayed out and unable to be clicked
- You will need to use your email account.
- You will be directed back to your account screen.
I am an authorized Third-Party. How do I use the Customer Portal to opt-out of emails?
- Scrolling to the end of the Email Terms and Conditions is required before you can agree to the terms. Until you scroll to the end of the Terms, the Update Preferences button will be grayed out and unable to be clicked
I am an authorized Third Party. How do I use the Customer Portal to update my mailing address?
How do I delete my authorized third party Customer Portal account?
Your vehicle's title
I recently financed a vehicle with Credit Acceptance Corporation. Where is the title to my vehicle?
If you reside in | Then |
---|---|
KY, MD, MN, MO, MT, NY | Depending on the state, you will either receive the title in the mail, or you can pick up the title at the motor vehicle department. It takes approximately 30 days for a title to be issued by the motor vehicle department after purchasing the vehicle. If you live in one of these states and have not received the title after this timeframe, contact your motor vehicle department and/or the dealership where you purchased the vehicle. If additional assistance is required, please contact the Customer Service Department at 800-634-1506. |
AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, LA, MA, ME, MI, MS, ND, NE, NH, NJ, NM, NV, OK, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY | Credit Acceptance holds the title until the contract is paid off and/or Credit Acceptance releases its lien. |
KS | The state holds the title electronically. |
What do I do if I recently purchased a vehicle and do not have my registration and/or plates?
How do I transfer my title after moving to another state?
- Fax Number: 866-436-4890
- Mailing address: Credit Acceptance Corporation
Attn: Title Department
25505 West 12 Mile Rd.
Southfield, MI 48034
How do I change my name on my title?
What do I do if I would like to add or remove a party from the title?
If you | Then |
---|---|
Are a party on the retail installment sales contract and would like to be added to the title | Please send a written request including your full name, the VIN or account number, and the address of your preferred motor vehicle office to Credit Acceptance by fax or mail:
Attn: Title Department 25505 West 12 Mile Rd. Southfield, MI 48034 Once received, the request will be processed and the required documents (including the title, if held by Credit Acceptance) will be sent to your preferred motor vehicle office. You will need to contact the motor vehicle office to complete the process. |
Are a party on the retail installment sales contract and would like to be removed from the title | Please send a written request including your full name, the VIN or account number, and the address of your preferred motor vehicle office to Credit Acceptance by fax or mail. The request must be notarized.
Attn: Title Department 25505 West 12 Mile Rd. Southfield, MI 48034 Once received, the request will be processed and the required documents (including the title, if held by Credit Acceptance) will be sent to your preferred motor vehicle office. You will need to contact the motor vehicle office to complete the process. Removing your name from the title will not release you from your obligation to pay on your retail installment sales contract. You will still be liable for all obligations on your retail installment sale contract after your name is removed from the vehicle’s title. |
Are the estate representative of a customer who passed away and would like to keep the vehicle and be added to the title | Please send documentation with proof of the customer’s passing and proof that you are the estate representative to the Operations Support Department by email, fax, or mail: • Email Address: [email protected]
Attn: Title Department 25505 West 12 Mile Rd. Southfield, MI 48034 You must also include a written request to be added to the title. Please ensure that your full name, the vehicle information, and the address of your preferred motor vehicle office is included in the written request. • If the account only has one customer: Credit Acceptance is able to add an estate representative to the title and remove the deceased party from the title with a written request from the estate representative. • If the account has a customer and a co-signer: Credit Acceptance is able to add an estate representative to the title and remove the deceased party from the title with a notarized written request from the non-deceased party and a written request from estate representative. Once received, the request will be processed and the required documents (including the title, if held by Credit Acceptance) will be sent to your preferred motor vehicle office. You will need to contact the motor vehicle office to complete the process. |
Want to add a third party to the title who did not sign the retail installment sales contract | Credit Acceptance does not allow third parties to be added to the title. |
I’ve recently paid off my retail installment sales contract. When can I expect my title and/or lien release documentation?
If the state is | Then |
---|---|
KY, MD, MN, MO, MT, NY (the customer holds the title) | Credit Acceptance will typically send the lien release documentation to you within 30 days of payoff. If the state is mailing the title directly to you, the timeframe will vary depending on the state’s processing times. |
AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, LA, MA, ME, MI, MS, ND, NE, NH, NJ, NM, NV, OK OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (Credit Acceptance holds the title) | Credit Acceptance will typically send you the title and lien release documentation within 30 days of payoff. If your title was held electronically, the state will mail you the title without the lien.* *Please see below for specifics in FL, OH and OK: • If your title is an electronic title in FL: o Credit Acceptance releases the lien electronically and will mail you a letter. The State of Florida electronically maintains titles. If you would like to obtain a printed copy of your title with our lien released, please follow the instructions set forth on the website for the Florida Department of Highway Safety and Motor Vehicles: http://www.flhsmv.gov/html/emt.htm • If your title is an electronic title in OH:o Credit Acceptance releases the lien electronically and will mail you a lien release letter. The State of Ohio electronically maintains title records. If you would like to obtain a printed title in your name, please take the lien release letter to your local County Clerk’s office. • If your title is an electronic title in MI:o Credit Acceptance releases the lien electronically and will mail you a lien release letter. The State of Michigan electronically maintains title records and will print and mail the paper title upon release of all liens. • If your title is an electronic title in OK: o Credit Acceptance releases the lien electronically and will mail you a lien release letter. The State of Oklahoma electronically maintains title records. If you would like to obtain a printed title in your name, please take the lien release letter to your local County Clerk’s office. |
KS (the state holds the title electronically) | Credit Acceptance will send you the lien release documentation within 30 days of the payoff. You can take the lien release documentation to your preferred motor vehicle office or titling agency to obtain a paper title without Credit Acceptance’s lien. |
I am located in a state where I hold the title, but I lost it. How do I get a duplicate?
What if I received the title or lien release after I paid off my retail installment contract but lost it?
Can I get a copy of my title?
Credit FAQ for car buyers
Where do credit scores come from?
Where can I check my credit score before I apply for a car loan or financing?
Why do I have more than one score?
- Finance companies and banks use different scores for different products.
- There are many different credit scoring formulas.
- Information can come from different credit reporting sources.
What are some ways to improve my score?
- Pay your bills on time, every time.
- Don't get close to your credit limit.
- Establishing a long credit history will help your score.
- Be careful closing accounts.
- Only apply for loans and credit you need.
For more information about managing and improving your credit score, http://promotions.usa.gov/cfpbpubs.html
What should I look for in my credit report?
- Mistakes in your name, phone number, or address.
- Loans, credit cards, or other accounts that are not yours.
- Reports saying you paid late when you paid on time.
- Accounts you paid off that are listed as open.
- The same item showing up more than once (like an unpaid debt).