Payment Options

Payments are due on or before the date listed in your statement. If payments are not received by the due date, late fees may be applied to your account, if applicable and permitted under the terms of your contract. To help you make your payment on time, we offer a variety of payment options.

Please use the option below that best meets your needs.

AutoPay  (FREE)

Set-up automatic monthly withdrawals through ACI from your checking or savings account. Using recurring ACH AutoPay ensures your payment is always made on time with no processing fees.

Mail  (FREE)

Send your payment using a check or money order to the address below. Please send your payment at least 5 business days before your scheduled due date to allow time for mail delivery and processing.  These addresses are for payments and payoffs only.

Include: Payment Voucher & Account Number on Check.
American Credit Acceptance
PO Box 204531
Dallas, TX 75320-4531


Overnight Delivery Address
Include: Payment Voucher & Account Number on Check.
Lockbox Services 204531
American Credit Acceptance
2975 Regent Blvd Suite #100
Irving, TX 75063

Online One-Time Payment  (subject to processing fee)

Submit a one-time payment through ACI using your bank account or credit/debit card.

  • Debit cards accepted:  Mastercard and VISA
  • Credit cards accepted:  Mastercard

Pre-paid cards must have the STAR logo on the back.  To send a payment with Moneygram, add the receive code 3530 to the front of the account number. Processing fees do apply.

Phone  (subject to processing fee)

Call to submit a one time payment using our Automatic Interactive Voice Response (IVR) System. Payments made through the IVR are processed via ACI. Processing fees do apply.

TOLL FREE: 1-866-544-3430

Third Party  (may be subject to processing fees)

Wire your payment to us in minutes using one of our preferred providers. Processing fees may apply.

MoneyGram    Sender Code: 3530
Check FreePay    At most Wal-Mart locations
Western Union   Biller Code: ACA GA