Customers

Please mail payments to American Credit Acceptance PO Box 956126 St. Louis, MO 63195

Yes. ACA offers automatic draft payments which can be set up weekly, bi-weekly, or monthly.

Any payments received before 6:00pm Eastern will be posted to the account on the same day. Any payment received after 6:00pm Eastern will be credited to the account the following day.

Please allow for 1-3 business days to see funds withdrawn from your account.

Yes. To make a payment by phone, please call 1-866-544-3430 and speak with one of our Account Managers

Yes. Automatic Bank Drafts as well as Credit/Debit Cards will be attempted once more if the initial transaction fails.

ACA Payment Services will send an email confirmation of payments to an email address provided for any account.

Any payments received before 6:00pm Eastern will be posted to the account on the same day. Any payment received after 6:00pm Eastern will be credited to the account the following day.

It is possible for there to be a brief period of time between payment and recognition of the payment within our systems which could cause an errant call. Should this happen, simply inform the agent of the previously made payment and your account will be handled appropriately.

Please allow for 1-3 business days to see funds withdrawn from your account.

In the event you are having issues with our payment system, please call us toll free at 1-855-295-8808 and one of our account managers will help you.

In the event you are having issues with our payment system, need to change a payment method, change a payment amount, or cancel a payment please call us toll free at 1-855-295-8808 and one of our account managers will help you.

If you suspect fraudulent activity the first thing you should do is contact your card or account provider and inform them of the suspicious activity. Next, call us toll free at 1-866-544-3430 and you will be transferred to our customer service team which is trained in how to manage these types of issues.

If you believe you are covered under the SCRA, please contact us at 1-855-295-8808 and one of our agents will walk you through the process to insure your account gets handled appropriately.

Please mail payoff checks to American Credit Acceptance PO Box 1899 Spartanburg, SC 29304. Please include a notice indicating the check is for payoff.

A payment history may be requested via phone. Call our toll free number at 1-866-544-3430 and speak with one of our agents for your request.

In the event you have an insurance claim, first call your insurance provider then please call our toll free number at 1-864-504-3789 in order to be routed to our insurance department so we can further assist your needs.

Please mail all insurance information to American Credit Acceptance PO Box 3487 Coppell, TX 75019.

Currently, ACA does not offer refinancing opportunities. In order to get refinanced, the customer would be required to seek out another lending institution which would have to satisfy the current loan and issue a new one.

For information regarding late fees, please review your contract. Late fees are assessed on a state by state basis.

For information regarding late fees, please review your contract. Late fees are assessed on a state by state basis.

ACA understands that sometimes things happen which are out of the control of our customers. Should these outstanding situations arise, ACA will assess the situation and determine if the account is elligible for an extension. An extension will allow a payment to be moved to the back end of the loan. Without a signed extension agreement and approval from ACA management, payments may not be skipped.

Yes. ACA will allow a customer one due date change over the life of the loan. This is used in order to make it easier and more convenient for a customer to meet his/her contractual obligation. A due date change may not exceed 15 days from the original due date.