ACA applies your payments in the following order.
Once processed, your payment will be posted to your account within 1 business day. Late fees will only be collected from the payment if your account is current, and the payment is processed prior to the next statement cycle.
CLICK HERE for a full list of our payment options on the “Payment Options” page of the website.
Depending on the status of your account, you might be eligible for autopay. CLICK HERE to set-up AutoPay – automatic withdrawals from your checking or savings account on your due date. Using AutoPay ensures your payment is made on time with no processing fees.
Please note: Your account must be current to enroll in ACA AutoPay.
In general, ACA will apply the payment to your account on the day ACA receives the funds.
For one time bank draft or credit/debit card payments:
Please ensure that funds are available in your deposit account at the time payment is made. Please note that your bank may not debit the funds from your deposit account for 1-3 days.
For AutoPay (Recurring Payments): Autopay payments will be applied to your ACA account as of the day your payment was scheduled to be made.
AutoPay or Personal Check: If there are insufficient funds in your account for AutoPay or personal check, we will attempt to withdraw the funds a second time within the next week. For AutoPay and personal checks that are returned unpaid from your bank after two withdrawal attempts, an insufficient funds fee (commonly referred to as an NSF fee/charge) may be assessed on your account, if permitted under applicable law.
Credit or Debit Card: We will not attempt to withdraw the funds a second time for credit or debit card. You will need to resubmit your payment using another payment method.
We do our best to update our phone system and your account as soon as possible after a payment has been received. However, it is possible for there to be a brief period between your payment and recognition of the payment within our systems, which could result in our call(s) to you. Should this happen, inform the agent of the previously made payment and your account will be handled appropriately. Should your account remain delinquent after a payment is made, collection activity may continue.
If you suspect fraudulent activity:
A payment history can be accessed 24 hours a day through the customer portal. It can also be requested via any communication channel (chat, email, phone, text) with an agent, which will result in a two-business day delivery.
According to the terms of your contract, you must make timely payments. If you need assistance making your payment due to a temporary hardship, call us at 1-866-544-3430 to speak with an associate.
Depending on the status of your account, you might be eligible to request a payment due date change. Call us at 1-866-544-3430 to speak with an associate about this request.
To set-up an online one-time payment, you will need: your 11-digit ACA customer account number, the last 4-digits of your Social Security Number, and the 5-digit zip code associated with your account.
An email will be sent to the email address on file with your account, confirming your payment has been received.
Any payments received before 8:00 p.m. EST will be applied to your ACA account on that day (excluding weekends and holidays).
Any payment received after 8:00 p.m. EST will be applied to your ACA account on the following business day (excluding weekends and holidays).
Please ensure that funds are available in your deposit account at the time payment is made. Please note that your bank may not debit the funds from your deposit account for 1-3 days.
If you have issues with our payment system, please call us toll-free at 1-866-544-3430 and one of our associates will be happy to help you.
If you need to change a payment method, change a payment amount, or cancel a payment, call us at 1-866-544-3430 to speak with an associate.
Please mail payoff checks to:
Include: Payment Voucher & Account Number on Check.
American Credit Acceptance
PO Box 204531
Dallas, TX 75320
Overnight Delivery Address:
Include: Payment Voucher & Account Number on Check.
Lockbox Services 204531
American Credit Acceptance
2975 Regent Blvd Suite #100
Irving, TX 75063
ACA does not offer contract refinancing. If you need assistance making your payment due to a temporary hardship, call us at 1-866-544-3430 to speak with an associate.
To obtain payoff information, you may call 1-866-544-3430. You may also obtain and print a 10-day payoff quote by logging in to the Customer Portal.
Please note: Our IVR phone system can only provide same-day payoff information. For 10-day payoff information, ask to speak to a representative.
Late fees and grace periods vary from state to state. Your contract will include information when a late fee will be assessed and the amount of any late fee.
If you have any questions regarding late fees, call us at 1-866-544-3430 to speak with an associate.
Payments are required to be made by the date listed in your contract. If you have missed your scheduled payment due date, ACA may attempt to contact you about the missing payment. If applicable, a late fee may be assessed to your account, after any applicable grace period. Your contract will include information when a late fee will be assessed and the amount of any late fee.
American Credit Acceptance offers verbal foreign language support services to customers in Spanish, as well as additional foreign language support services in a variety of other languages through a third-party language line. These verbal support services are available to consumers upon request.
If you believe you qualify for assistance through the Servicemembers Civil Relief Act (SCRA), call us at 1-855-292-6426 to speak with an associate.
Complete the SCRA Rate Reduction Request Form and return the completed document along with a copy of your orders to the address or fax number listed below:
American Credit Acceptance LLC
Attn: SCRA Request
961 E. Main Street
Spartanburg, SC 29302
[email protected]
If you have an insurance claim:
Please email any documentation to [email protected] which is preferred. You can also mail insurance coverage information to:
American Credit Acceptance
Attn: Insurance Department
961 East Main Street
Spartanburg, SC 29302
Please email any total loss or repair documents to [email protected] which is preferred. You can also mail any total loss or repair documents to:
American Credit Acceptance
Attn: Insurance Department
961 East Main Street
Spartanburg, SC 29302
If you have any questions, call us at 1-866-544-3430 to speak with an associate.
ACA’s preferred method of contact is via email. However, you may also fax or send your title through regular mail.
Email: [email protected]
Fax: 866-740-0571
Regular Mail:
Titles Department
American Credit Acceptance, LLC
961 E. Main St.
Spartanburg, SC 29302
Visit the DMV location or website, of the state to which you are moving, to obtain a State Change Request form. Complete the form and send it to ACA.
EXCEPTIONS:
If you are moving from Kentucky, Michigan, Minnesota, Missouri, New York, or Oklahoma and currently hold the title to your vehicle, you may complete the transfer yourself by visiting your new state’s DMV.
If you are moving to Missouri, please complete Form 5834 (Missouri’s Out of State Title Request form). Obtain Form 5834 at dor.mo.gov/forms/, then complete and send to ACA.
If you are moving from Kansas, please complete Form TR-42. Obtain this form at www.ksrevenue.org, then complete and send to ACA.
Please provide the State Change Request form from your local DMV to ACA for processing.
Email is our preferred method; however, you may also fax or send your documentation via regular mail.
Email: [email protected]
After ACA receives your State Change Request form, we will prepare your title and send it to the DMV, which can take up to three (3) weeks. Your next step is to finalize the process at the DMV, once they have received your form. Some DMVs call when they receive the documents. If you do not hear back from the DMV of your new state within three (3) weeks of providing documentation, call the DMV to determine if they received the form. If not, call ACA to verify we sent it.
EXCEPTIONS:
If moving to Missouri, ACA will send you back Form 5834 and a copy of your title so you may initiate the transfer.
If moving to New York, ACA will send you a Letter of Permission and a certified copy of the title to complete the transfer.
The DMV should complete the process within three (3) weeks.
Prepare title to send to DMV – up to two (2) weeks
Send title to DMV for completion – an additional week
To remove the name of a living person you will need to send a written request to ACA asking for the name to be removed. The request may be hand-written but must be signed by both parties on the account and notarized, or the request may be a court order that states one party should retain sole possession of the vehicle.
To remove a deceased person, you must provide ACA with a copy of the death certificate. In addition to either of these documents, you will need to send ACA the address for your DMV.
After you send your documentation and it has been received by the DMV, they should be able to finish the process three (3) weeks after receipt. If, after three weeks, you have questions concerning the status of your name removal, please contact the DMV directly as processes and timelines vary.
The dealership, where you purchased your car, is responsible for changing the title to your name and registering the vehicle. Contact the dealership for questions regarding the registration process or changing the title to your name.
You may file a credit dispute with us directly. Please complete the credit dispute form below in its entirety and provide any supporting documents to support your claim. Sign and mail the form to:
American Credit Acceptance, LLC
ATTN: Credit Disputes
961 E. Main Street
Spartanburg, SC 29302
You may also contact the credit bureau that is showing the discrepancy. They will walk you through the process of filing a dispute. The bureaus will then contact ACA notifying us of the dispute. ACA will then review your account and provide any necessary updates to the bureaus. If you are not satisfied with the results of the investigation conducted by the credit agency, you may contact us directly at 1-866-544-3430.
ACA asks that you first submit your credit dispute to us directly via mail or indirectly through the credit bureaus. This allows us an opportunity to fully review and investigate your account. If you contact us by phone prior to submitting your request to us or the bureau, it may limit our ability to provide complete information during the phone call.
ACA asks that you first submit your credit dispute to us directly via mail or indirectly through the credit bureaus. This allows us an opportunity to fully review and investigate your account. If you contact us by phone prior to submitting your request to us or the bureau, it may limit our ability to provide complete information during the phone call.
Go to https://www.identitytheft.gov/
Mail the above items to:
American Credit Acceptance, LLC
ATTN: Credit Disputes
961 E. Main Street
Spartanburg, SC 29302
Once received, ACA will review all documentation received and will complete a proper investigation into your account. We will be in contact with you upon completion of the investigation.
ACA generally submits updates to the credit bureaus on a monthly basis. If you need information relating to your account with ACA prior to this monthly update, ACA can provide you with a copy of your payment history. If you wish to receive a copy of your payment history, please call us at 1-866-544-3430.
If you would like a statement of specific reasons why your application was denied, please contact us at the address listed below within 60 days of the date of the Adverse Action letter. We will provide you with the statement of reasons within 30 days after receiving your request.
Please mail your written request to:
American Credit Acceptance
ATTN: Credit Inquiry Dept
P.O. Box 1899
Spartanburg, SC 29304
The Retail Installment Sales Contract that you signed at the dealership will specify whether your contract is a simple interest or precomputed interest contract. Look for the words “Simple Interest” or “Simple Finance Charge,” as well as language which indicates that your finance charge will be more if you pay late and less if you pay early. If you are unsure if you have a simple interest or precomputed interest contract, please contact our Servicing Department at 1-866-544-3430, and we will assist you.
Interest is assessed daily based on your contract’s stated interest rate and the current principal balance. Interest starts accruing as of the date of your contract and continues to accrue each day until your account is paid off.
Below is an example of calculating daily and monthly interest accruals on a simple interest contract. You should review your contract to determine these amounts for your account.
| Principal Balance | $14,600.00 |
| Multiplied by – APR | x 25.00% |
| Equals the interest cost on a yearly basis | $3,650.00 |
| Divided by – number of days in the year | / 365 |
| Equals the interest that accrues on your account each day (“Per Diem”) | $10.00 |
| Multiplied by – number of days since the last payment | x 30 days |
| Monthly Interest = | $300.00 |
Your contract provides this information to you in the Finance Charge box on the first page. The contract assumes that you will pay all monthly payments on the due date and in the amount specified. The actual amount of interest you will pay depends on your payment patterns and will be more if you pay late and less if you pay early.
The most important thing to do to prevent additional interest from accruing is to pay on time, pay early, or more than your contractual monthly payment.
Examples of paying early, paying on time, and paying late are provided below.
In this scenario, we will use an account that has a principal balance in the amount of $14,600.00, an APR of 25%, and a monthly payment in the amount of $600.00 due on the 15th of the month.
Interest is calculated based on the number of days between payments made.
If you have additional questions about simple interest, call us at 1-866-544-3430.
