American Credit Acceptance (ACA) is a financial services company based in Spartanburg, South Carolina. The company was founded in 2007 and has grown rapidly in recent years, providing subprime auto loans to customers across the United States. ACA’s mission is to provide financing options for customers who may not qualify for traditional loans, while also helping them to improve their credit scores over time.
ACA offers a range of financing options for customers, including loans for both new and used vehicles. The company works with a network of over 12,000 dealerships across the country, providing financing to customers with credit scores ranging from 400 to 850. The company’s loan approval process is quick and easy, with most approvals taking less than an hour. Once approved, customers can choose from a variety of repayment options, including automatic payments, online payments, and phone payments.
One of the unique features of ACA’s lending program is its focus on helping customers improve their credit scores over time. ACA reports all loan payments to the major credit bureaus, which helps customers establish a positive payment history and improve their credit scores. In addition, the company offers credit education resources and tools to help customers better understand credit and improve their financial well-being.
Despite the company’s success, ACA has also faced criticism from some consumer advocacy groups, who argue that the company’s interest rates and fees are too high. Some critics have also raised concerns about the company’s debt collection practices, including allegations of aggressive tactics and harassment. ACA has responded to these concerns by implementing new policies and procedures aimed at ensuring fair and transparent lending practices.
Despite these challenges, ACA has continued to grow and expand its services. In 2021, the company announced that it had reached a new milestone, surpassing $10 billion in total loan originations since its founding in 2007. The company also announced plans to expand its operations and open a new office in Tampa, Florida, in order to better serve customers in the Southeastern United States.
American credit acceptance payment options
American Credit Acceptance offers several payment options for its customers to make their loan payments. These options include:
- Online Payment: Customers can make a one-time payment or set up automatic payments through ACA’s website using their checking account, savings account, or debit card.
- Phone Payment: Customers can make a payment over the phone by calling ACA’s automated phone system or speaking with a customer service representative.
- Mail Payment: Customers can mail a check or money order to ACA’s payment processing center using the address provided on their statement.
- Western Union Quick Collect: Customers can make a payment in person at a Western Union location using the ACA code city and state, and their loan account number.
- MoneyGram Express Payment: Customers can make a payment in person at a MoneyGram location using the ACA receive code and their loan account number.
It is important to note that some payment options may be subject to fees or processing times. Customers should refer to their loan agreement or contact ACA’s customer service department for more information on payment options and associated fees.
American credit acceptance phone number
The phone number for American Credit Acceptance’s customer service department is 1-864-335-4000. Customers can contact this number for assistance with their accounts, loan payments, and other related inquiries. It is important to note that this phone number is subject to change, so customers should verify the number on ACA’s official website or other official sources before calling.
American credit acceptance careers
American Credit Acceptance offers a range of career opportunities across various departments, including finance, operations, sales, marketing, technology, and more. Some of the available positions at ACA include:
- Loan Servicing Representative
- Credit Analyst
- Customer Service Representative
- Collections Specialist
- Marketing Coordinator
- Compliance Analyst
- Business Intelligence Analyst
- IT Support Specialist
- Software Developer
- Data Analyst
To view current job openings and apply for a position at ACA, interested candidates can visit the company’s official website at www.americancreditacceptance.com/careers. The website provides detailed job descriptions, application instructions, and information about the company’s culture and benefits. Candidates can also connect with ACA on LinkedIn to stay up-to-date on new job openings and company news.
American credit acceptance hours
The business hours for American Credit Acceptance’s customer service department are Monday through Friday, from 8:00 am to 8:00 pm Eastern Time. However, the company’s website and automated phone system are available 24/7 for customers to access their accounts, make payments, and view their loan information. It is important to note that these hours are subject to change and may vary depending on holidays or other factors. Customers can check the company’s official website or call the customer service number for the most up-to-date information on hours of operation.
American credit acceptance app
American Credit Acceptance offers a mobile app for both iOS and Android devices, which allows customers to manage their accounts, make payments, and view their loan information on-the-go. The app is free to download and can be found in the App Store for iOS devices and the Google Play Store for Android devices.
With the ACA mobile app, customers can:
- View account information, including balance, due date, and payment history
- Make one-time payments or set up automatic payments
- View and download statements
- Set up alerts for payment reminders and other account activity
- Contact customer service directly through the app
The ACA mobile app also features enhanced security measures, including multi-factor authentication and biometric login options, to help protect customers’ personal and financial information.
To access the ACA mobile app, customers must have an active account with ACA and register for online account access through the company’s website. Once registered, customers can download the app and log in using their ACA account credentials.
Overall, American Credit Acceptance is a company that is dedicated to providing financing options for customers who may not qualify for traditional loans. While the company has faced some criticism, it has also demonstrated a commitment to improving its lending practices and helping customers improve their credit scores over time. With its continued growth and expansion, ACA is likely to remain a major player in the subprime auto lending market for years to come.