Making on-time auto payments maximizes the opportunity to improve a credit score and change lives. Make your Credit Acceptance payments with one of these easy payment methods. Select a method below to see payment posting times.
Important Information about Late Fees – If the payment due is not made prior to the payment posting cut-off time on the day when the late fee grace period expires, a late fee may be assessed. If a late fee is assessed, it will be e day after the payment posting cut-off time. The payment posting cut-off time varies by payment type. Please see below to learn the payment posting cut-off time for each payment type. Please refer to your contract for the amount of your late fee and the length of your late fee grace period.
Online: Automatic Payments
- Log in to the Customer Portal at
- Click “ Enroll in AutoPay ” on the Portal’s home page.
- Follow the instructions to setup AutoPay.
Payments will post according to the schedule established by the customer. Changes to recurring payments need to be made one day prior to the next scheduled payment date. Payments are processed 7 days a week and also on holidays. Recurring payments can be established or modified 24 hours a day, 7 days a week, and on holidays.
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.
Payments are posted the same business day if received by 5:00 p.m. Eastern Time. Payments received after business hours will be processed the next business day. It’s recommended that you mail payments 7 days before the due date.
*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 p.m. Eastern Time.
Online: Guest payment
Payments are posted the same day if submitted to Paymentus by p.m. Eastern Time. Payments are processed 7 days a week and also on holidays.
Online: One-time payment
- Log in to the Customer Portal at creditacceptance
- Click “One-Time Payment” on the Portal’s home page.
- Follow the instructions to make a payment.
Payments are posted the same day if submitted to Paymentus by p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.
In person
Payments are posted the same day if submitted to CheckFreePay by p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.
MoneyGram – $7.99 Take your payment to a MoneyGram location and use the Code: 4093 . Visit moneygram or call 1-800-926-9400 to find a location near you.
Payments are posted the same day if submitted to Money Gram by p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.
Western Union – $8.50 Take your payment to a Western Union location and use the Code: Acceptance MI . Visit westernunion or call 1-800-325-6000 to find a location near you.
Payments are posted the same day if submitted to Western Union by p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.
Phone: One-time payment
Automated Phone System – $3.95 Payments are posted the same day if received by p.m. Eastern Time. This payment option is available 24 hours a day, 7 days a week and on holidays.
Credit Acceptance Representative – $9.95 Payments are posted the same day. This payment option is available during Credit Acceptance business hours, 8:00 a.m. – p.m. Eastern Time Monday through Friday and 8:00 a.m. – 5:00 p.m. Eastern Time Saturday and Sunday.
Personal banking
Follow your bank’s instructions for bill payments. Select Credit Acceptance as a payee. Select a one time or recurring payment. Direct your payment to P.O. Box 551888, Detroit, MI 48255-1888.*
Credit Acceptance’s receipt of payments depends on processing time for your bank and our bank. Payments are posted the same day they are processed by our bank.