Credit Acceptance W 12 Mile Rd, Southfield

They gave me a loan when no one else would. Let me tell you, I set up automatic payments so I wouldn’t receive phone calls. They withdrew the payment on the said date they reported perfect payments on my credit report. Fast foward seven months went to a different dealer bought a brand new car. Dealer paid off credit acceptance. So hey I can’t complain. My credit score looking real good now. So you take care of your business with them and I suppose you will have a great experience too. Thanks credit acceptance nice doing business with them. Now my account is closed with them and I have a better interest rate with a different company . That was the plan and it’s getting better and better

I've got a car through them. Haven't had it a year yet, car had a 2 year warranty so I'm thinking because its just new transmission. not thinking I'm purchasing a lemon with "issues up the wazoo" already...but long story short its been to shop 3 times and counting now for trans issues already. Haven't had a car consistently for about 2 months now...they won't let me out this hellish finance contract. I don't recommend going through them they evidently don't care about customers just getting money out em...

I hadn't dealt with the actual office until I paid off the loan. When trying to get the lein release forms,they told me it would take 21 to 30 days. That makes no sense. Now I have to hold onto the car for maybe another month. I have paid off cars before and it took only 2 or 3 days to get the release. If you are late with your payment you get all kinds of communication from them. But it takes a month to get your title cleared. Ridiculous!

Honestly I had no issues with them, I’m giving them one star because my situation and case were handled poorly. I’ve been late 72 cents for three months??? When I made payments since… that doesn’t make any sense. If I’m animated about inquiring and making payments, why would I leave out 72 cents? The manager spent so much time trying to explain the reasoning but she could easily rectify that situation with a leniency.

They offered me the chance to see if I prequalified in April 2022. It’s been over 30 days and I’m still getting credit inquires and calls from dealerships. After I called to find out how I could stop this, I was told I needed to call the dealerships. I was then placed on hold and after 30mins the call disconnected.

I was offered a loan through this company in early 2019, im still currently paying on the car and have had a rough time due to the pandemic and the only thing this company has been able to offer me is payment arrangements. No deferring payment “due to policy.” I’ve told them once a month since June 2021 that my car has been out of service due to a bad engine, and they’ve completely lacked sympathy or tried to do anything to help me. I’m so close to turning the car into the bank and just taking the repo on my credit because paying $451 a month for a car that doesn’t even work is absolutely outrageous, if I could give 0 stars I would and I would NEVER refer a friend or even an enemy to this company because they rob you blind. I’m going to look into refinance options at my earliest convenience and I encourage you to do the same. This is a scam company for sure, all they care about is lining their pockets.

Gave my soon to be husband a car loan with a 553 score. And now we have a beautiful Cadillac SRX Luxury. Thank you Credit Acceptance. Much love all the way from Los Angeles!

I only been with them a few months and I hate it 100% from the APR% which mines is 22.8% my vehicle went from 10,817 and some change to nearly 20,000 not even including my down payment you cant modify payment date to make sure payments are made on time when your in financial situations you can only make scheduled payments on top of your original payment every financial institution should be able to let you modify payments as long as their still paid in that same month also I feel like the apr% should have a certain percentage like how credit unions and banks give you the exact apr your going to have when trying to finance something financial institutions should have that same thing and it shouldnt be as high as lets say 10% just for an example I cant wait to finish these payments next time I’ll go threw my credit union thats the best bet when trying to finance something my Credit union have a 3.89% apr for the vehicle I have thats like over a $7,000 difference from what this company offers me which I kind of feel is unfair but it is what it is to all future buying go threw your credit union for vehicles homes everything At least you got a better understanding of things and a lower apr% the lower the apr the sooner you have it paid off and somewhat the less you pay total

Poor customer service, I have been trying to pay my balance down and with each call (minus one lady) they have been extremely rude and condescending. They way they speak to you makes you not want to call in. 0/5 at this point I am ready to turn my car back in.

Well I had no problem with these folks 😂 I just paid my note responsibility and paid it off. Its on how you handle your payments and paying them on time is all that matters. And I did just that and had a great time with these people even when I ran into a problem they were very helpful Just pay responsibility and you won't have any problems 👍🏾👍🏾👍🏾 thanks everyone for your service...❤❤❤

This company is terrible! Do not finance with these people if you don’t have to…You are honestly better off walking!! 😂 So glad I will be getting into a new vehicle and not have to deal with this company ever again. Rude customer service and they charge you crazy fees when you try to pay ahead.

They will take back a defective lemon if you ask them to AND then they'll sell it at an auction for the loan amount BUT they'll still get you for the FULL loan amount later! No one can help. Ya buy a 7k lemon & return it.. you still pay another 7k to them on the debt. Talk about double dipping!

To Say the least.. Made my payment and got stolen from in their company. An employee processed my money order by cashing it and then posted 200.00 to my account and stole the rest. Like wth

This company deserves 0 stars. If you are offered a loan with them, run away, do not take it. I was finally able to refinance with a new company, going on 30 days ago, and I have still not received the over payment refund. The will put an engine disabler/GPS in your car. If you are more then 1 day late with your payment, the device will emit a loud beeping noise for 3 minutes every time you start your car until you are paid up to date. They will not work with you if you need a grace period. One time I had scheduled my online payment for a day before my payday by mistake, I called to have it moved one day, and they harassed me and treated me like a deadbeat, asking me why I can't borrow the money from my friends or family, even though I had perfect payment history. Several states have class action lawsuits against them. I have even read they have a 90% repossession rate. STAY AWAY FROM THESE PEOPLE

Worst loan i have ever had. I started with them two years ago, I was in a bad position and took the first offer made. Haven't had any problems until the last few months. Have been reporting me 30 or 60 days late, even though I am not. Have spoken with several agents, and they are more combative than helpful. Will be reporting them to the states Attorney General and refinancing to a company with integrity. Do not get involved with these people.

If I could give them a zero 0 I would beware of this credit company it’s a scam all they do is take your money even when you try to get out of your contract they lie to the other auto financial companies to discredit you. They said I’m a slow payer but never been late or missed a payment! How so? I’ve been paying auto pay since the beginning. This company is the worst of the worst! DO NOT USE THEM! My credit score is well in the 700 club but because they said I’m a slow payer I have to get a co-signer. Unbelievable

Where to begin besides the outrageous interest rate and the constant calling and verifying so they can keep reporting negative information on your credit report the rudeness unprofessionalism they are thiefs. If I owe you 18500 dollars would you settle for 3500 dollars?? The answer would be no and this is where the problem begins erroneous info misleading transactions and misinformation on all credit accounts

If I could give this company a 0 i would they have made purchasing a car absolutely horrible. I am a single mother of 3 kids and 1 on the way. I bought a 2010 Dodge Journey (March of 2021) from a dealership who used them and the car broke down and was completely inoperable after 3 weeks (still in the month of March) and I put a total of $1000 extra dollars into the car to fix because the problems started 1 week after getting the car. I called credit acceptance the first month to explain what happened they never helped me or gave me any options just simply told me to pay for a car I couldnt drive and I had less than a full month they didn’t give me the option to refinance or for them to pick the car up so the car sat in my driveway til June (2021) til I called them upset and they put a repo on my record and came and got the car. They specifically told me they would sell the car and I would have to pay off the remaining balance but yet I’m still being billed monthly (which I refuse to pay since I didn’t have the car for more than a month) and has dropped my credit score almost 200 points in 2 months I am warning everyone not to use this company they do not care about their customers

I knew going into a contract with them my APR was 23% and I was okay with that and this company has been so great to work with me on any issue I have had. They are great if you call ahead to let them know what's going on a head of time. Yes I already know I am paying more than what my car is worth but I knew that going into it. My suggestion is do your research people on everything! I would recommend for someone who really is in a bind like I was and needs a car but they only work with certain dealers which was irritating but I found a great dealer. I always call on the weekends and speak with someone because the people during the week is iffy sometimes but I have never had an issue with them.

I wish I could give them zero stars… Don’t do it, if you can’t get approved by another Financial institution just buy you car outright or fix your credit and save. I hate that I didn’t do my research about this company and their employees are the worst.

I bought an car that they finance. I had it maybe almost an year went to Kia dealership to trade it in and found out that the car was totaled out and they wouldn't allow me to trade it in. So I went to back to d&d where I bought the car they denied everything I called credit acceptance and credit acceptance said that we wouldn't finance a car that's been totaled out well it also have a green title that secretary of state was like well it's a green title and it's not a rebuilt title so someone did something and so I tried again to trade the car in and the person told me no they won't take the car I need to report to the state of Michigan again because I still owe a lot of money on this car that's not worth it

The worst car company I’ve ever encountered, the falsely put thing on your credit report even when u have it at a good stance and even pay it off! I would never recommend this company TO ANYONE... high interest and they take advantage of people for sure! You will end up paying DOUBLE maybe even Triple for your vehicle that most the time is not even worth it! Stay away from them

Watch out for them canceling your auto pay. They won't tell you and they will charge you extra to make the payment you missed.

I had the car since Dec 17' then covid hits. In April 2020, I found myself short changed. They worked with me April and June as May I was able to make payment. They did put note on credit score "affected by natural disaster" and didn't seem to hurt my overall. A few times prior, I paid them after 10pm at night on day it was due and they called me all day they next day multiple times saying they didn't receive payment. That was annoying.

I've had no problems with credit acceptance. I would've given a 5 star but my only hang up is credit acceptance did not offer to put 2 to 3 months payment to the end during the Covid-19 shutdown to help their customers to not fall into a bigger strain. Had they done so, they would've been a blessing to a lot of people. I've never had any problems with any of the representatives. They have been helpful and curtious any time I needed to reach out to them.

They don’t have 1.5 stars out of 5 for no reason, they’re a complete joke. I owed the IRS a small amount of money and they put a lien on my car and took it off as soon as I paid my debt. Well Credit Acceptance would not sign a document the IRS needed to completely take the lien off the title so I could trade the car in. It’s just absolutely ridiculous that I can no longer get rid of this car because they are refusing to cooperate like a kindergartner.

They are a joke to deal with, I had to buy a warranty to get the loan, so I have my payments taken directly out of my bank. Then the motor blew up in the truck so I take it to the Ford dealership to get it worked on and they tell me that I have to agree to pay to have it taken apart if the guy from the warranty place does agree with what they say. So basically I was being told that no matter what they wasn't paying for a new motor to be put in my truck that was a really clean and nice 2008 f350 4x4. So my waring to everyone is they will extort you to buy the useless warranty just to get the loan and they don't honor the warranty. Please don't get stuck by these big fraud companies, unless you like wasting money.

This company refused to fax a statement to the Secretary of State so I could purchase a duplicate title that I NEVER received so I could refinance through my own credit union. After applying through my own credit union I was informed they had reported I missed payments when I did not. I had actually made two extra payments. It helps you when you don't have good credit but keeps you sucked in and gives the worst customer service. Can't wait to refiance and burn their contract 😠😡🤬😤🖕

DO NOT USE THESE PEOPLE THEY REPORT FALSE INFORMATION TO YOUR CREDIT REPORT DO NOT EVEN HAVE AN ACCOUNT WITH THEM AMD THEY CLAIM I HAVE A CONTRACT WITH THEM

Credit acceptance is a good company. Got me my Benz coupe supercar when nobody would. I needed more time this month. Due 26th. Simply didnt have payment. They pushed payment to 6th. Took a bit of begging. But they did it. People who write bad reviews probably burned them or tried to. They are strict. They have to be that's business. Call them. Pay them on time or close to it. And they will work with you

THEY ARE NOT A SCAM! THEY ARE A SECOND CHANCE LENDER!!!! I personally haven’t had any issues with credit acceptance. I have been late on payments a couple times and have communicated with them before and had no issues. The customer service has been pretty good and as long as you are honest with them they are brutally honest with you! (Like a family member) They have helped build my credit and saved me over $5,000 on my current vehicle (They prevented the dealership from adding a made up $5000 fee)! I will gladly recommend to anyone wanting to rebuild your credit responsibly. ***UPDATE*** I was supposed to pay off my car March 2022 but I made extra payments weekly and paid it off today Nov 2019**

Have a 2017 Nissan Versa and my car really doesn’t cost that much and they raised it high in the 20,000 I’m suppose to been paid my car off had my for for at least 4 years now . They’re cars are over way too much . trying to refinance or trade my car in

TERRIBLE and unethical, shady company. They are being sued by multiple states and multiple people for very good reason. Their office in Southfield is full of rude, incompetent employees who have no managerial skills, and are hired to babysit employees while having no actual knowledge of the job they should be doing. High turnover and the employees end up leaving in relief. Treats it’s employees terribly, and basically charges usury for loans to end users. So the poor reputation is much deserved, and starts from the top. Much better options out there for places to get loans AND work. Avoid avoid avoid!

I wouldn't refer no one to this place they're here to rob you. They have the internet and car payment all together. I had paid up my carnot for 5 months and it was a waste of 2,000. Refinance your vehicle like I'm trying to do now. My car is originally 13k and with interest it was 27k for a 2014 car and they want me to pay 27k for a 2014 Jeep. Please do not waste your money on them

This company is a joke bro. IDGAF who disagrees with me. They gave me a 22% interest rate on my car loan & now I'm stuck paying $400 a month, not including car insurance. They refuse to work with me. I've not missed 1 payment in 6 months, BTW that's how long I've had my car. So why hasn't my interest rates gone down? My credit score is close to 720. Big mistake going through them. They don't even deserve 1 star

If I could give them 0 out of 5 stars I would. Never allow these crooks to manage your finances. They toy around with your money like it's a joke... I had a car loan through them and got into an accident (other driver was and claimed fault as he drove into the side of my stationary vehicle at a red light) and both insurances totalled my car out. While waiting for the paperwork for the GAP insurance to be finalized they illegally closed my account putting it in collections. My credit went down 138 points from that one action alone. We were trying to purchase a house during this time and that ruined any possibility of that happening. I fought with them about it and they reopened it but it already left the scar on my credit report. After fighting to get my credit corrected they finally got it resolved. I've caught them lying, saying they've never received a phone call from my insurance agency, but then later they'll contradict themselves and say they've only talked with them once... It's a joke of a company and the reviews don't lie. Do not do business with these crooks.

I don’t have any problems with paying my note online the only thing I would say Is show actual payment total for the car why is there extra fees?

This company pulled me out of bind. Only 500 to.put down and I got a great truck. Which has been paid off for 2 years know. My credit started growing right away. Know I never missed a payment and that really helped my credit. Thanks for that opportunity when I needed it. God sent at that time in my life.

They deserve a negative negative negative 0 that’s how terrible there services is the representatives are disrespectful unconcerned and has no customer service knowledge…as As soon as my car is payed off I will never refer anybody here. They will call you at 6 AM sharp the very next day after your car note is due and will being very rude about it

Credit Acceptance is a great way to rebuild credit or get a auto loan, I see bad reviews but realize, they provide a service and provide auto loans to people with BAD CREDIT people must pay their car payments as agreed, if so you will never ever have a bad experience, I had my loan here once and later re-financed via my credit union. I see shop around as well I did and Credit Acceptance was OVER AND OVER used by Car Dealers for a reason THEY FINANCE EVERYONE unless you burned them and even then with the right money down they will look at some people again.

Would have given 5 stars. My overall experience with Credit Acceptance has been very good. All payments on time plus extra to get ahead. Unfortunately, on the very last payment for my Prius. They contacted me back stating that a portion of the money was returned back to my financial institution. They had me resubmit for another payment costing me an extra $50.😡 I payed it and was told that they closed the account. Yay! 😑 I contacted my back to find out why did they refuse to pay Credit Acceptance. They said that Credit Acceptance never processed for that amount. All other transactions are in, accept the payoff amount you are requesting information of. Keep your eyes open at all times with this company. As they may be good to deal with. Deeply down they are sharks 🦈 after your cash 💸. Advice for the future. Never buy a new car. Always used. Buy it outright. Don't throw your money away to sharks. Vehicle cost $7000 outright. Final payment plus cost of using Credit Acceptance, $12,254. 95. Never again!

We may have had the worst car buying experience ever. The sales person did not let us get a word in edgewise. I don't have fantastic credit because of a lack of credit history. When I went to the dealer I already had the car I wanted picked out and the price on the website was what I agreed to pay. Somehow over $1,000 got added to the price of the car plus normal taxes and fee. But the worst part is the lender Credit Acceptance charging $11,000 in interest on a $7,000 car that is probably actually worth around $5,000. This is super predatory on people who are in a low position in life. I will be working to get out of this loan as soon as possible and I highly recommend others do the same. They even charge you $10 additional to make a payment over the phone. And $5 additional to pay online unless you enroll in auto pay.

Look at all these one stars for this company. This is the worst place to get a loan through. We been paying our payments every month for 3 years. My husband called and asked them if they can defer one payment because he just got diagnosis with cancer, and the lady said make a 50 dollar payment and you can defer the rest. We went and paid the 50 dollars and because they didn't get the payment the next day she called and said she's going to repo our car if we don't pay them 5 dollars. So we went an paid the 5 dollars late fee. This place is a joke and read the reviews before you get a loan through them. Their costumer service reps are felons!! So if you don't have credit don't go through these guy's not worth it, I would give 0 stars if I could!

If I could give this place negative stars I would. They give false information between all their reps. They always give different stories. Thank goodness I was able to get out from underneath my auto loan and into something better. They have no idea what real customet service is. Paid off auto loan with 0 balance had a credit due for the gap insurance and was told would receive a check in mail for refunded amount. Called asking status of check only to get different story. Sorry your gap was credited to your account. What account? Its been closed. My account was paid off. Pay off was not reflecting gap. Gap was separate. Crooked company.

Hello, I work at a salvage yard where we process wrecked vehicles. My main job is to have liens released from vehicles that have been paid for. I called this place today and spoke to Danny, he was very rude and was the only lie holder that told me they do not release the lien (even if the car is paid for). By law they are required to release the lien once the vehicle is paid for. DO NOT USE THIS LIENHOLDER. THEY ARE A DCAM

they haven’t pulled the payment out multiple times even with me having the money in my account. then they spam call about missing a payment that they didn’t pull out

This is my update I got a 2012 Ford focus from them and I have come to the realization that I have been finessed tremendously from the time I sat my behind down in the seat at the dealership I became late I have done a lot of research on this company since they played me I could be my own attorney once you sign the contract they job is to flip you in then flip you out of the vehicle no ifs and or buts you can not sue them in small claims court read your contract i. have had my car since 2017 and I am over $2000 and something dollars in late and interest fees even though I never been late on top of a $8000 and something car note credit acceptance is being sued by 39 states and counting by the state attorney general office they asked me to pay $25 for 6 months on top of my monthly payment and me not knowing it started everything all over again I didn't know that my car was under recall for transmission problems not 1 but 2 and I got a letter from Ford letting me know that my doors on my car can come open while I am driving and not to mention the knocking noise that just to take my dashboard off gone run me $500 plus labor they call me from 8AM until 9PM every single day and when they call you and tell you that you are being recorded do not give them permission let them know that no matter how hard or disrespectful they become remember that they got a job to do nothing more nothing less and Google credit acceptance do your homework don't back down those investors who they swindled millions out of aren't

I financed a car for $8,800 and they tack the interest on outright, so it brought it up to $12,061. It is March and I have paid $520 per month since June of 2020. All those payments go mostly to the interest - they have put maybe $50 a month toward the principal. As a result, I basically have not paid anything toward the loan at all.

Wish I could give negative stars... Where do I begin with this review. They will answer the phone like they care, saying they note your account; but they don't. Then your car gets REPO'd, you pay the $600-$800 to get your car back, on top of trying to figure out where it is because they give you the run around for a week. I recently called to set up a different payment date because my paydays changed; was told my account was noted and as long as I paid in full when I got paid, I would be fine. My car was gone this morning when I went out to leave for work and to get it back it's another $600-$800. I told the rep that I hoped it was actually being noted that they could take the car and shove their "business" where the sun doesn't shine, because I was done with it. DO NOT DO BUSINESS WITH THESE CROOKS.

I will never deal with them again, they charge to much for there cars you could get a brand new one for that price.

I was very pleased with the way I was treated when attempting to get an auto loan. It has been My fault that my credit was in bad shape and I could not go elsewhere for cheaper interest rates. I was able to buy my car and now my car is almost paid off. My credit is great now and the next time I need to buy a car thankfully I will be able to go and get a cheaper credit rate. But if it was not for credit acceptance I would not have been able to buy the car I have now. So I am grateful to them.

This company will approve you to get a car just remember the devil is in the detail. This company is a predatory lender their interest rates are high and I have never heard once u can pay on the principle of the loan. I payed of my debt to them. And asked for a more accurate report on payments on my credit report. They stated that they do not do that and I have to go to the credit agency directly. Well about a week later the results come back and they still didn't do a thing.

Credit Acceptance has been fine, however from the start of my purchasing my first car, nothing was explained about the finance company or their practices. Such as if you miss a payment by a day or more the account starts to be turned over to collections, or the fact that their interest rate was 23%. It was a hard lesson learned that you should never buy your first car alone, bring someone who has done it before. READ THE FINE PRINT!

I have had great service with them. I had bad credit due to a variety of issues and they were the only ones who would work with me to get a car..which I love. They were great with working with my payments when I missed a month of work due to covid as well.

I went bankrupt. I thought keeping the car and making good on paying for the car. For 2 months the car was part of the bankruptcy. Then CA WOULD not heip me get back on track. I have 10 late payments now because of this. The would not defer those 2 payments. I had good credit up to the BR. But it ended with Michigan st unemployment After covid. I will do everything to avoid dealing with cr acceptance. Ill buy a cheap cash car and wait for the next best loan. Terrible experience. Cr acceptance is heartless and dont believe for one minute they have any humanity. Government and corporations like cr accpt are sick

If this building randomly burned down no one would care this company is bad and reports things illegally and incorrectly if the institution your using has any type of dealing with this place don't continue dont pass go there are no $200. if they bought off debt and are trying to collect keep disputing they can't keep reporting an account that's a charge off as having a balance it's against fcra law cause a charge off can't have a balance it's a charge off please let's get together and take these people to court

If I could give them a zero I would. Horrible customer service, they give you the run around. Charge you more than they are supposed to by saying your late when you are not. DO NOT go through them, run as fast as you can. I can't even refinance my loan because they have me as delinquency on my loan even though I am current. How they are in business.

I started with CA back in 2019, I believe, I didn't have very good credit and they were their to help me. I paid most of my note off but then covid hit and I ended up getting a car that started rotting so I took out a loan for a better shaped car. I tried my financial institution and they wouldn't except me. I was stuck with CA. I didn't mind at first but then I got hit again with my original high interest. But a part I did like is that if you can put more money on your bill 1. Your payment goes down and 2. your next payment date keeps getting pushed back. Though I suppose you want to watch that because of the interest that can occur. Its an ok company just need to find a better rate. 😊

BUYER BEWARE ! Credit Acceptance was sued by the State of Massachusetts Attorney General & settled for $27 MILLION due to taking advantage of desperate consumers with low income, extremely high interest rates, harassment, etc. and had to pay consumers back. We have been with Credit Acceptance for almost 3 years that we purchased through D&D Auto, a car that was being sold for approximately $9k but Credit Acceptance increased the price to about $14k minus interest, my interest rate is about 24percent minus all the other fees as well. We have a good payment history overall, only 1 30 past due bill but they steady keep adding on to the payoff quote. We still have 2 years left on this car and now it's just a big headache and stuck with an upside down car loan. Credit Acceptance has immoral business tactics and they will call you constantly, even 11p at night from different spam numbers popping up as scam likely. Every time you speak with a representative they tell you something different, some who needs more training for this field as well as manners. Iam about to file a complaint with the State AG, FTC, AND BBB. MAJOR LIFE LESSON LEARNED!!

Listen, these bad reviews are people that have bad credit and either don’t like the finance charge or they didn’t pay and their cars where either repo’ed or bad experience with car. This company gave us a chance we paid them off and early too 7 months ago and the second time around, I looked at a car the night before, submitted my info spoke with the dealership and the next day we test drove it and traded in our car signed forms and drove away in our new car and we only spent 1.5hrs at the dealership and we drove off. Credit acceptance will always be our go to!

YES THESE PPL ARE A RIP OFF 2011 Malibu 20 thousand dollars. what i owe on this car. Yeah if they thank so. lol now this is funny.....

I got a suv through this dealer with credit acceptance from the start the car was garbage I had that lemon for almost a year it stayed in the shop more than on the road I got the lemon from three brothers auto in Detroit Michigan on east 8 mile rd.don’t buy from them they only care about making money they don’t care that it was a lemon don’t ever buy from a used car place you’ll be better off getting your credit right and going to a good dealership and get a brand new car credit acceptance is a joke don’t deal with them

These people will ruin your life!!!! They care nothing about working with you. Had a co signer that was driving the car not make the payments and they won’t let me sell it without his permission! Then when you call them they have no idea what they are talking about! I hope this place gets shut down!!!!

An overall terrible experience! I would not recommend Credit Acceptance to anyone! If you trying to purchase a vehicle DO NOT FINANCE THROUGH THIS COMPANY!

The WORST finance company in the WORLD! They are real life SCAM ARTISTS! I wouldn’t recommend this company for no reason!

If you have a loan with them I urge you to refinance for a much lower interest rate. They prey on people with bad credit and lower incomes. If you are buying a car and considering them as your finance company BEWARE- They will increase the price of your vehicle a few THOUSAND dollars. My daughter bought a used SUV, it was $9,000 at the lot. Credit Acceptance changed the price to over $11,000. How is that even legal or acceptable? They also work with some dealerships that install devices that can turn your car off if the payment is late. Look into a credit union instead. My daughter was able to get a refi through a credit union and lowered her interest rate by almost 9%

I secured a loan through this company. The interest rate was real high. I made my payments and if I had to call the people were not very nice. I was able to refinance yet had to break down the electronic payments so they could process them.

Worst experience of my life. I feel like a slave to the loan that I signed for when I was a dumb 23 year old. I wish there was a way out of it. It’s preventing me from doing a lot. :(

Wish I could give zero stars. I had auto-pay on and they were not taking payments out even tho I had the money in my account 😒 don't ever go through them. They are very rude when trying to speak with someone about these issues

If I could rate these crooks a ZERO, I totally would do so. My wife and I refinanced our vehicle with another lending company to lower our monthly payments, and Credit Acceptance were absolutely horrendous to deal with in order to finalize the transfer. Our new lender handled all of the necessary paperwork and believed everything was finalized and good to go, however Credit Acceptance held our vehicle transfer ransom because they would not pay the extended warranty on our vehicle. They told us to either pay $1400 dollars to keep our warranty, or not pay it, finalize the transfer and lose our warranty altogether. So I paid them the money myself. They told me the lien, and the title paperwork would sent to us within a month. Two months went by, and we never got the paperwork. I called and called until I decided to file a BBB complaint. It was ONLY THEN that they sent the paperwork out. And now here is the great part. I had to take my vehicle to get a cylinder misfire issue fixed on the vehicle. The dealership we bought our vehicle from said the said warranty I paid for, was cancelled in February. And from there I've had to play cat and mouse trying to make sure we don't have to pay out of pocket for the repair. Credit Acceptance blamed my dealership, for whom I trust 100%, saying they are trying to screw me over. Which I know they wouldn't. They've always treated us right. They make excuses for their lack of competence, and customer service skills. DO NOT DEAL WITH THIS COMPANY! STAY AWAY FROM THEM! SAVE YOURSELF THE HEADACHE!

I agree with all the other reviews, I have had my car since 2017. I will admit I wasn’t fully aware of my APR because it was my first purchase and it was also urgent because my current car had cause me to pass out behind the wheel and my son had a seizure due to carbon monoxide, so the lot knew of my urgency. The car was fine the sales man had said it was a bit Sweaky due to sitting on the lot for a while. Once I got the car I realized the swearing never stopped , two weeks later I took it back to let them know that I had the car looked at and it’s actually suspension damage. That I also found out was really common with the car I got ( doesn’t make it ok) I was told I couldn’t of course so I tried to refinance , credit acceptance doesn’t do that and the car dealership wanted an extra $7000 even though I had the car for about 8 months. Covid hit I got behind on payments and I told them I can’t pay for the car to get fixed and make payments every month this is getting to be a bit much. They showed no impassion and instead I am now 8 months pregnant and my car is now repossessed while I’m trying to save and get it fixed. So I’m going to have to pay to get a 10 year old car out of repossession that isn’t even drivable. They do NOTHING to help customers they are only trying to get the money. There’s no reason I should be putting $20K into a 10 year old car.

The staff was very friendly, 2 people in specific I want to shout out is caprice and nakia for helping me with my lien release and they were very nice and patient 😊

I've never had a bad experience with credit acceptance. I was in an accident 3 months after I purchased my car, they were easy to work with and communicate with between them, the insurance company and myself. My deductible on my insurance is high so when it came time to pick up my car from having its repairs done, I wasn't able to make my full payment as usual. They worked with me to come up with an affordable payment plan, to help me pay that payment but also not get behind on others. Everyone I have talked to has been super helpful and professional. I was able to get the car I actually wanted from them as well. Yes interest is pretty high, but I pay extra when I can, and its helping my credit. No complaints from me!

This place is a scam!!!! I crashed my car at a total loss but it's good news I had insurance with gap coverage. Joke! The insurance covered almost entirely everything and then the Gap kicked in saying that it would cover everything and that I would owe next to nothing. Wrong! After everything was said and done I still owed a very small amount for unpaid interest on the car loan they never contacted me never told me never nothing continue to Bill me monthly auto payments because said amount wasn't paid so that gave them a reason to continue to bill for monthly car payments is what they're telling me. So by the time I found out they have already racked on 2 months of car payments for probably less than $500 worth of interest. This place is a scam complete total scam I received an email from them saying I owed a little over $9,000 and then I received a letter in the mail a couple days later saying I owed about $1,800 and then I just got a notification online from my credit report saying they threw on my credit report over $4,000 saying I have not made a payment since May. I had full coverage insurance plus gap. SCAM!!!!! BEWARE!!!!

I wouldn't recommend credit acceptance to anyone they don't help you with nothing they just take advantage of you they not good for nothing.

I have a 2010 camaro and they just added 10,000$ so the total price of this car is 32689$ they this place is a joke Definitely recommend refinancing, or trade it in never again.

The worst place to deal with. I got a car had it 9 days before the engine blew up. Took almost 2 months before the warranty company said no they wouldn't cover it. The dealership wouldn't help, credit acceptance agreed to cancel my loan and take it off my credit. Okay cool except, I wasn't getting anything back. Not the 2 car payments I made, not the $800 cash i put down or the car I traded in. Well now that its tax time I get a 1099-c for cancellation of debt and it now looks like I made 10,000 more then i did and I owe the state of Michigan, the city I live in and lost out of money from my federal. When I called credit acceptance about this first they say oh that shouldn't have been sent out disregard it. Not even 20 minutes later I get a call and they tell me to claim it on my taxes and then dispute it. So now I have to get a lawyer to help me with disputing it and hopefully everything is done before I have to pay the state a bunch of money. Only 3 people I ever spoke to at credit acceptance wasn't rude. Definitely find a different finance company before ever using them!

16 months after establishing an auto loan, my husband was in a collision which resulted in a total loss. They put all of the interest on the front end of the loan but lead you to believe the account is closed after insurance and gap pay their portions. Our credit dropped 70+ points for being “late” on a payment we didn’t know we still owed. We paid a settlement amount and the following month our credit took hits again for being 60 days late. This lender is absolute garbage and every person you talk to tells you completely different information. They have lawsuits against them from multiple states for a multitude of reasons. FINANCE ELSEWHERE

They get one star just to be able to review. Whatever you do do not do buisness with them. Run and don't look back. Look at other reviews. No I'm not behind this is just the worst company ever we should not allow companies like this to exist. Horrible rude high interest.

I postponed a payment & set a date for them to take it out since my account was on auto pay. They never did. Instead I needed up owing another months worth or payment plus late fees due to their irresponsibility. But the main issue is their communication‼‼ my car ended up flooding....submitted the correct information & paperwork. After numerous calls the insurance company finally issues them their payment. On the last conversation I had was that they assured me that they will file GAP on my behave & if any questions they will reach out to me... NEVER DID‼ Instead they were corrupt. Closing the account instantly and sending it to collections.( I know this due to credit karma) A months later I received a paper requiring payment. How if they were filing for GAP⁉️ Well now the time allotted for GAP has expired‼ ( and the only reason I know is because GAP sent me a paper themselves‼ & that the requiring documents have not been received through the insurance company) I called credit acceptance.... that they called. Never had a voicemail left. (Chrysler capital is even more persistant & leaves a voicemail) Spoke to a supervisor, she said that the phone was out of service but they tried. TRIED⁉️ Yeah, they tried to avoid reaching or contacting me‼ The phone number was never out of service. Never sent anything in the mail requesting more information because there is no paper to send. So guess who's not getting paid & guess who's credit their ruining due to their non existent verbal communication techniques to its customer‼

Put a wrong 30 day missed payment notification on my credit accounts 28 days into my billing cycle and dropped my score 100 points overnight. Even though I’m current completely and still have two days left in my billing cycle When I called to try and fix it, they told me I was past due. Also it would be really nice if I could talk to someone with an education or who sounds like they didn’t just smoke a blunt beforehand. Criminals.

This is the worse company ever. I started off at this company for my first car, and the service is poor. It’s not hard to clear up what you mean as it’s not hard to show a little respect. I’ve moved on to better things and I would never recommend Credit Acceptance. Never and for the man I spoke with last, learn to be professional, you never know who you’re speaking with. Now, where I’m at I could own the whole company. And you would be fired immediately.

Credit Acceptance agreed to report the CURRENT status of my account when I notified them that I loss my job due to COVID and would need to make payment adjustments. The representative from Credit Acceptance then told me that they were offering a service in which would help people affected from the global pandemic : they would NOT report negative data to the credit bureaus such as late payments, etc. INSTEAD, they would mark your credit report as "natural disaster", thus protecting your account from any damage. Since then, Credit Acceptance has NOT accurately reported the status of my account when I notified them that I needed to adjust payments. They are incorrectly reporting that I was 60 days late. I notified them in March 2020 and BEFORE March 2020, I had not missed a payment. I still paid after notifying them. Despite losing my job, I was able to pay off $11K worth of car debt on 7/06/20, thus paying the loan in full and closing my account. By 11/2020, Credit Acceptance begin reporting to the credit bureaus that I was 60 days late on payments and that my account was STILL being affected by natural disaster - which is crazy because my account is closed and I was not late 60 days when I notified them!!! It is now January 2021, I have called and sent several disputes. Through my efforts, several credit bureaus removed the remarks added by Credit Acceptance, those remarks being : "60 days late" and "natural disaster". Yet Credit Acceptance KEEPS adding the remarks, even though I've had them removed. Credit Acceptance's actions has managed to drop my credit score 60+ points despite me paying off the loan in full, closing the account, being affected by COVID, yet protected by a category labeled as "natural disaster" and me reporting to Credit Acceptance at the time when my account was in GOOD standing. Credit Acceptance refuses to remove the remark they added, I have tried everything. Every time I have the remark removed, Credit Acceptance adds it back, despite my account being closed and paid in full nearly a year ago.

I have been a customer with this financial car company for over 3 years know. I have never missed a payment. And the few times that I was a day late or so I have contacted the company by phone. The customer service department is rude when you speak to them. My car was repoed over it being late this past month. I made the payment as usually by getting a money order and placing it in the customer drop box on the company property. Long story I have made my payment that was 2 days late and I have no car. Only to call and they say I missed two payments and how we going to resolve this matter today. After they investigated the situation I was not 2 months behind there system was. Only reason anything got done was because I had kept all my money order receipts with my book and read them off to the manager. I got my car back but I have a negative mark on my credit report. I plan on fighting this even if I have to take this matter to court. This company really need to be investigated by the Better Business Bureau, Fair Credit Act, & the State Depatrment.

Michael Waverly doesn’t listen to any of my request. This guy is in my own little world and needs help. If your a top 100 company like you say you are, give me some medical assistance. Rude on the phone and only cares about himself.

If you are approved for a loan through them R.U.N. ! Do not take it and finance with another company. It’s not worth the hustle and high interest rate. These side lot car dealerships will try to stick you with them because they charge such high rates even when you can get approved with a better company.

If I could give this company a - - -5 star I would. They are the worst company. Credit acceptance Approved to finance my vehicle. My car was for $13,690 I put $3500 down. They approved me with a 23% because my credit was 592 at the time. I needed the car. I didn’t have any thing on my credit ,Somehow I still had $11,000 left after putting $3500. So that’s that. I’ve been paying this car for 4 years on time and I still have 7,000 left. After 4 years I was late 1 time they threatened to town my car after I was 15days late. They did not send my no letter nothing. One day I was at work and just seen a towing in front of my job and the guy was asking for me. To remind you 4 years on time they didn’t have the courtesy to work with me and even send me a letter. They just asked me for my keys or unless I can make the $353 right there they would take the car. I called try to schedule payments they did not want to do that. They add a lot of late fees. Even after borrowing money to pay it right away they said because of the late fees they would turn off my car. So I wouldn’t be able to drive it anymore. My heart dropped to know they don’t care about their customers. I would not recommend and I do not wish this on my worse enemy. They are scammers. They take more than half of the money for theirselves. Yes after financing the car for $11,000 I still have $7,000 left. That’s absurd. I hate them and do not recommend them. Even if they are your last Resort dooooo not! I repeat. You will regret it.

My experience with this company has been awful, to say the least. If I could give negative stars I would. Their interest rate it more than triple the rates of the value of the car I financed. I have NO IDEA at the time I’d be paying this much in interest. I’ve have my car 3 years and still have 3 years to pay and my car’s value is only $6000. I really could cry and have. I got in an accident in the car recently and they want to take my check from insurance and use it for the loan . How crazy is that?!?!?, I am already paying $400 a month for the payment. You guys save yourselves the money and save and buy what you can flat out until you’re able to be accepted from a more credible company. I AM OUTRAGED. Listen to me had I done my research and known more about interest rates I would rather be catching the bus these last 3 years.

0 stars! They raised the payment to over 700$ after it was repoed. They failed to disclose that before The full payment was made to get it back. After We tried to get the payment back and just let them keep the 2014 Mazda they refused. CONTACT THE ATTORNEY GENERAL so they can get a CLASS ACT LIKE SANTANDER! They violated the stay at home order to take the car Xmas day....took personal property out of the car even during a PANDEMIC... disgusting finance company. The pay off amount on a car with a 10k price is over $20,000 WHAT?! Crooks! CONTACT ATTORNEY GENERAL AND GET THESE THIEVES SUED!!

The customer service at Credit Acceptance is unacceptable. I have Never been late... Called to select a different due date for car note. It was unbelievable how rude, dry and condescending the representative was. The last time I called I was calling for some information regarding the terms of my loan. They were rude during that call as well. I was asked why do I want a different due date. I did not think changing my due date to 7 days later because of a change in payroll would be a big deal. I was told I will be charged late fees. If you change your monthly due date you should not be charged late fees. My payment was never late. You are entitled per contract to change your due date at least once during the loan term. Im certain that the turnover rate at this company is high. Unfortunately, they just lost good money from a good customer. I've been so busy havent had the time to take the credit union up on their offer for refinancing. Thanks to Credit Acceptance I just expanded my relationship with the credit union. Better interest rate and better customer service. Its obvious that Credit Acceptance is not treating their employees right. The employees are unhappy, it shows in the service they provide. Great customer service is everything!!

Got a car with my ex I am the purchaser but he has all the rights to the car I haven't been able to drive it and he has been driving around not making a payment in the year-and-a-half they won't take me off the lease they won't repo the car and now my credit is in the trash because of someone else's choices

do not use them.them will come after you for money Long After the Legal Statute of Limitations.money hungry people

This company only gives loans out for lemons then after I called them about there lemon they approved to me on there advised I turned it back in to them after I was advised that the motor was being held up by zip ties after a oil change.. Due to I'm a mother of 8 children.. not only do they put it on my credit but garnish me years later and stop me from getting a better vehicle. They won't take a payment arrangement they only want to garnish me. This company is greedy and not good for anybody.. especially if you're truly in need of a reliable car

This is an edited review. Streamlined to get the important info out there. I appreciate Credit Acceptance for giving me an auto loan when no one else would (the place I got my car from shotgunned my credit through 12 agencies and C/A was the only one to say yes). It is at the maximum legal interest rate in my state, though. I recommend them if you have no credit or bad credit and are looking to turn that around, but be ready to pay a LOT of money for interest. If that is your situation, go for the lowest possible amount you can finance so you'll have lower payments and better odds of actually paying the debt off. I haven't had to deal with their customer service but I've heard plenty of bad things so be prepared to handle everything yourself. They report to your credit bureaus so if you pay your payments on time (preferably a day or two early to make sure it goes through on time) you'll get your credit turned around in no time. Thanks to these guys, two years after buying my car and getting some credit history established, I have been able to buy a house. I am the youngest in my family to do this and... Well, my house is a LOT nicer than anyone else's in my family too. These guys helped me by reporting my credit activity, but what made the biggest difference was never being late on my payments. Just watch out for that interest and make sure that you aren't biting off more than you can chew.

They lied about the amount i owed. I paid the amount they told me and when I called them to talk about my car, they told me it wasn't enough. Nobody was on the same page and i did what one agent told me just to be told it was wrong by another. They did not refund or work with me. They just took my money and my car and basically told me "too bad". I asked for a manager and they refused my request. I was told false information and I upheld my end when they failed me. Stick to a credit union. Never trust this company.

Never had any issues with them. We financed our minivan in April of 2017 and had it paid off June 2018. We never missed a payment and if we did need a extra day or two we called and they always worked with us. Our van was $8,999 we put $1200 so we were very proud to have it paid off in a year. You guys have to realize this isn’t a regular loan company, it’s for people with bad or no credit. your interest will be high and if you actually read all the fine print and documents you would understand how it works. ALWAYS read and check everything before signing papers.

Total robbery. Got a truck from a dealership using Credit Acceptance, paid EVERY payment, and they repossessed the truck saying we weren't making payment on a 2013 Chevrolet Silverado, but making payments on a 2016 Dodge Ram 1500 that we didn't even have. Have emails where they stated that it was their own mistake and that they would give us the truck back, and now we cannot get anywhere with them. They don't stop calling and they lied to us directly on the phone by telling us the truck was on its way. That was over two weeks ago, now they are saying the driver responsible for delivering the truck disappeared without a trace. I want to just be done with this mess and be done with this poor excuse for a loan company for good.

DO NOT USE THESE PEOPLE! THEY ARE SCAM ARTISTS! They charged me 4,000.00 more than the worth of the car on top of a 22.99% interest rate. They claim to help people but all they do is take advantage of people in not so great financial situations. I wish I could sue them for being a horrible company but this is the best ammunition I have. DO NOT TRUST THEM AND DO NOT GIVE THEM YOUR MONEY! Walk rather than buying a car through them, you will thank me later. Save up your money and buy something that way. DO NOT GIVE THEM MONEY! Mind you I never made a payment late and I paid off the car in full after 8 months. I couldn't stand being ripped off by a 22.99% interest rate so I did a balance transfer onto a credit card.

Called in to notify my payment would be late and was advised it was fine ... 2 days before I could pay it you repo my car and charge me $300 more and I am missing work. Your guys are terrible Worst of all is when I called on to discuss it more your representatives have the audacity to snicker when I tell them my situation and the face that I was so late die to identity theft that locked my account and I was waiting for a reimbursement of funds into a new account. I am so over you crooks. And I will have an attorney contact you.