How to Pay Your Bill at Credit Acceptance

When financing a vehicle through Credit Acceptance, making your monthly payments on time is crucial. The company offers various convenient options for paying your bill either online, through their mobile app, by phone, in person or by mail. This article will provide an overview of the Credit Acceptance payment methods, tips for avoiding issues, setting up automatic payments, and steps to take if you need assistance.

Credit Acceptance is an auto finance company that works with dealers to provide financing to consumers even those with poor credit or no credit history. If approved you’ll make fixed monthly payments over the loan term to Credit Acceptance.

It’s important to pay your bill in full each month by the due date to avoid late fees and negative credit impacts. Credit Acceptance offers flexibility through:

• Online portal and mobile app
• Phone payments
• In-person payments
• Mail
• AutoPay

Read on for more details on each payment option and how to get started,

The Customer Portal and Mobile App

The Credit Acceptance Customer Portal and mobile app allow you to securely manage your account and payments 24/7. You can:

• Check your balance
• View payment history
• Make one-time payments
• Set up recurring AutoPay
• Update account details
• Receive notifications

To use the portal, simply go to www.creditacceptance.com and either log in or register for an account. The mobile app is available for iOS and Android.

Making a payment through the portal or app only takes a few minutes The convenience makes them popular choices.

Paying Your Bill by Phone

You can make Credit Acceptance payments over the phone using their automated system or by speaking to a representative.

Automated System

• Call 1-800-634-1506
• Follow prompts to enter info and make payment
• $3.75 fee

Customer Service Representative

• Call 1-800-634-1506
• Available Mon-Fri 8am – 11pm, Sat & Sun 8am – 5pm
• $9.95 fee

With both options, your payment will post to your account the same day if made before 11:45pm ET.

In-Person Payment Options

You can make an in-person payment at one of Credit Acceptance’s third-party retail partners.

Cash Payments

• Take cash to CheckFreePay locations (find at www.checkfreepay.com)
• $5 fee

Money Orders

• Take to MoneyGram or Western Union locations
• Use provided receive codes
• Check websites for locations
• Approximately $8 fee

In-person payments allow you to pay in cash and receive instant receipts. Pay early the day payments are due in case issues arise.

Paying by Mail

To pay your Credit Acceptance bill by mail:

• Make check or money order payable to Credit Acceptance

• Include your account number and payment coupon

• Send to:

  Credit Acceptance
  PO Box 551888
  Detroit, MI 48255

• Allow 7 days for delivery

• No fees

While convenient, make sure to mail payments 1 week before your due date in case of postal delays.

Setting Up AutoPay

The easiest way to ensure you never miss a Credit Acceptance payment is to enroll in AutoPay through the online portal or mobile app. You can set up recurring automatic withdrawals from a checking account, savings account or debit card.

To get started:

• Log into your account
• Click “Enroll in AutoPay”
• Select withdrawal date and frequency
• Enter bank account information
• Review and submit

On the payment dates you specify, Credit Acceptance will automatically debit your account for the amount due. No more worrying about remembering payment deadlines!

Tips for Avoiding Payment Issues

To prevent problems with Credit Acceptance payments:

• Know your exact due date and amount owed each month
• Pay a few days early to account for processing time
• Double check account numbers when paying online/phone
• Notify Credit Acceptance immediately if your financial information changes
• Set payment reminders and enroll in AutoPay for peace of mind

Remaining organized and proactive will help ensure on-time monthly payments.

What If You Can’t Pay Your Bill?

If an emergency expense or other situation arises that prevents you from making your monthly Credit Acceptance payment, it’s crucial to contact them right away to explain and discuss options. Potential solutions include:

• Requesting a due date extension
• Setting up a payment plan
• Refinancing your auto loan
• Deferring a payment (in extreme cases)

Don’t simply miss a payment without notifying Credit Acceptance, as that will incur fees and negatively impact your credit. Being transparent about financial hardships can help you get back on track.

Closing Thoughts

Credit Acceptance offers flexible payment options to fit any schedule or needs. The online portal and mobile app provide quick access, while phone, mail or in-person payments give you more choices. Set up AutoPay to simplify payments. Notify Credit Acceptance promptly if any problems ever impact your ability to pay on time. Maintaining open communication and an organized system will lead to positive financing experience.