If you have an auto loan through Credit Acceptance, there are many convenient ways to make your monthly vehicle payment. Paying on time can help improve your credit score over time. In this article, we’ll outline the best options for paying your Credit Acceptance bill online, by phone, by mail or in person.
Set Up the Customer Portal for Easy Online Payments
The easiest way to pay your Credit Acceptance bill is by setting up their online Customer Portal. You can register for an account on the Credit Acceptance website. The portal allows you to:
- Check your account balance
- View payment history
- Schedule one-time or recurring payments
- Enroll in autopay
With autopay, your payment is automatically deducted from your bank account on the same day each month. This ensures you never miss a payment.
You can schedule payments to recur weekly, bi-weekly, semi-monthly or monthly. Just log into your Customer Portal anytime to update your payment method or autopay settings.
Pay as a Guest without Logging In
If you prefer not to create an account, Credit Acceptance lets you make one-time guest payments online without logging in. Just go to their make a payment page and enter your loan details.
Payments can be made directly from your checking account or with a debit/ATM card. There is a processing fee of $3.75 for using this guest payment method.
Use the Mobile App for Payments
The Credit Acceptance mobile app offers another easy way to pay your bill or set up autopay, Simply download the app and log in securely with your fingerprint or face ID,
You can quickly view your account balance, scheduled payments, and make one-time or recurring payments. The mobile app provides convenience to pay your bill from anywhere
Call to Pay Over the Phone
To pay by phone, call Credit Acceptance at 1-800-634-1506. You can use their automated payment system or speak to a live representative.
The automated system is available 24/7 and charges a $3.75 processing fee. If you contact a representative during business hours, the fee is $995
Mail In Your Payment
If you prefer to mail payments the old-fashioned way, Credit Acceptance still accepts checks or money orders. Include your coupon and account number with your mailed payment. Send to:
Credit Acceptance
P.O. Box 551888
Detroit, MI 48255-1888
For guaranteed funds, you can mail a money order directly to their headquarters:
Credit Acceptance
25505 West 12 Mile Rd
Southfield, MI 48034
Allow 7 days for mailed payments to avoid late fees.
Pay in Person
You can make a cash payment in person at CheckFreePay, MoneyGram, or Western Union locations. Credit Acceptance also has a drop box at their headquarters where you can leave check or money order payments.
Find nearby locations of CheckFreePay, MoneyGram, and Western Union on their websites. Payments made at these in-person providers by the daily cut-off time will credit to your Credit Acceptance account same day.
Avoid Late Fees with On-Time Payments
The key to maintaining good credit with Credit Acceptance is to never miss a payment. Setup autopay or recurring payments through their online portal or mobile app for guaranteed on-time payments.
Monitor your account regularly and contact customer service if you need help with payment options. Pay online, by phone, mail or in person with plenty of time before your due date. Making consistent on-time vehicle payments will help improve your credit score over time.
No-Fee Payment Options:Making on-time payments can help you rebuild your credit. Select one of our no-fee payment options below to learn more.
- Easily set up automatic payments with a debit/ATM card, checking account, or savings account (NOTE: Credit cards are not accepted).
- Schedule your recurring payments to be weekly, bi-weekly, semi-monthly, or monthly.
- Payments are posted on the day(s) you choose. Payments are processed 7 days a week, including holidays.
- An AutoPay schedule can be established or modified 24 hours a day, 7 days a week, and on holidays, in the Mobile App or on the Customer Portal.
- Any change to an AutoPay schedule needs to be made before 12:00 am ET one day prior to the next scheduled payment date.
You can set up AutoPay 3 ways:
- Log in to the Customer Portal.
- Click âEnroll in AutoPayâ on the Portalâs home page.
- Follow the instructions to set up AutoPay.
Call 1-800-634-1506 to talk to a Credit Acceptance Representative and set up automatic payments.
Check or Money Order via U.S. Post Office
Include your payment coupon and Credit Acceptance account number on your check or money order. Do not send cash. Do not send correspondence other than your coupon.
Mail to:
Payments are posted the same business day if received by 5:00 pm ET. Payments received after business hours will be processed the next business day. Itâs recommended that you mail payments 7 days before the due date.
If guaranteed funds are required, mail a money order to:
25505 West 12 Mile Rd
*Payments sent directly to Credit Acceptance instead of the P.O. Box generally take longer to reach us. Payments received directly at Credit Acceptance will be posted the same business day if received by 5:00 pm ET.
Check or Money Order
Leave your check or money order payment in the drop box in front of Credit Acceptance headquarters, located at 25505 West 12 Mile Road, Southfield, Michigan. Do not leave cash in the drop box. Include your account number written on your check or money order.
Payments are posted the same business day if received by 5:00 pm ET.
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