Find a american credit acceptance dealers near you today. The american credit acceptance dealers locations can help with all your needs. Contact a location near you for products or services.
American Credit Acceptance (ACA) is one of the largest subprime auto finance companies in the United States. If you have bad credit or a low credit score, ACA may be able to help you get approved to purchase a used vehicle. Here are some frequently asked questions about ACA and dealers near your location:
ACA specializes in financing used cars, trucks, SUVs and vans. The vehicles must be personal use only and can be no older than 10 years with no more than 150,000 miles. ACA does not finance new vehicles.
You can search on the ACA website for approved dealers in your city or ZIP code. Make sure to compare rates and terms from multiple ACA dealers to get the best possible financing offer.
The dealer will submit your application to ACA which includes a soft credit check. If approved, the terms will be disclosed and you can sign documents to finalize the deal and drive away in your new vehicle.
Interest rates range from 19.99%-29.99% APR depending on your credit profile. Most loans are 2-6 years in length to keep your monthly payments affordable.
Having a down payment of at least 10% of the vehicle's purchase price can help you qualify for a slightly lower interest rate from ACA versus little to no down payment.
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