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 Western Union 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.

Include: Payment Voucher & Account Number on Check.

American Credit Acceptance
PO Box 204531
Dallas, TX 75320-4531

Payoff checks should be sent to the address below.

American Credit Acceptance
961 E Main St
Spartanburg, SC 29302

Online One-Time Payment  (subject to processing fee)

Quickly and easily submit a one-time payment through Western Union using your bank account or credit/debit card. 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 Western Union. 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
Speedpay, an ACI Worldwide Company   Biller Code: ACA GA