American credit acceptance Review

Went from eecu to this horrible company. I will say that I wasn t in the best financial position and needed a car desperately. So I will give them their thanks for accepting me when no one else would. My $9000 car is almost $ 17,000 which I doubt the car will even make it to the end of the note even with the regular maintenance. I can put all that to the side. What really irritates me is the fact that you have to pay $10 fee every time you pay your payment. Doesn t matter if you link your bank account or your card. And the biggest complaint is the fact that if you are even one day late they are blowing your phone up from multiple different numbers even if you make an arrangement never the less if your a week late. But if you need assistance from their end good luck buddy. You won t get far even with a supervisor nor do the really seem willing to budge or help. They just want your money they care very little about customers/ customer service. If you have to do business with them tread cautiously and try to refinance with a different bank ASAP.

I am new to this company, and read so many negative reviews I was hesitant about them; however, I have experienced professional polite diplomacy, and a sense of friendliness with all the representatives I ve encountered. As for my credit, it s soaring upward because I pay on time or before.

Almost a year trying to get my car title! Every single time I call, I "owe" something. I paid that "something" 2 times already, different amounts and no confirmation number, no letter, no confirmation email, nothing. They said I will received my title "in a month" . 2 Months passed by, I call again. Guess what? I still owe $200 something... next a Better Business Bureau report.

I don t care how desperate you are, DO NOT FINANCE WITH THESE CROOKS! They pray on people with bad credit! It should be illegal the interest rates they are handing out! Don t even waste your time calling a rep if you know you ll be a couple days late! They literally called everyone on my phone like regarding a payment that was 5 days late! Disgusting company! i will be refinancing my vehicle ASAP!

If you have to go through this company there s a reason. I had my auto loan through them before. Paid it off! Never had any trouble they always worked with me through it all. Now I m in the position where credit is in a much better position. My advice pay, and pay on time every time!

This company should be illegal, im gettn rid of this car first chance i get n they mess up your credit dont fool with them u will be sorry wish i could rate 0

DONT USE THEM. YOU WILL NEVER OWN YOUR CAR!!! Been trying for a year to get my car title. Every time I call, I "Owe" $ x amount. I asked for an statement, they keep promise to send but never received anything on mail or email. And if you try to see your account online, they do not allowed you to go into your own very account to see payments and your own statements. Of course they give you a phone number on reviews to call, but believe me its gonna be the same story over and over, calling to that "I'm sorry for your .... here is another useless number to call"

Let me explain why I gave this company 4 Stars, and for anybody who got approved for this loan, or is thinking about it. Let me explain my situation, and read this. I read all the horror stories and MANY reviews for American Credit Acceptance. Chances are you don t have great credit, like myself at the time, and needed a car. I had poor credit when I got my loan, and it was at 18% interest rate. However, they were the only ones who gave me a chance. They always reported my on time payments, and with the help of some bad credit cards I had to take, and paying them on time, and paying off a few small debts, my credit went up pretty dramatically, and I was able to refinance through my bank at 6%. I called American Credit Acceptance, they gave me the address to mail my check. I mailed it in, and a week and a half later I got my title. I get some of the employees can be rude, but what company doesn t have that? I never experienced any of the horror stories at all. I know the interest rates are high, but they will give you a chance, and as long as you make your payments on time, you will never experience anything unusual. Then once your credit has gone up, you can refinance. Thankful that I was able to get a loan, then refinance it at a way better interest rate.

Please stay away from this company. Reviews are true. My car loan was bout by this company. All my payments were made on time but still want be paid off on time. Please run the other way

I just go online to pay my bill. Boom, that s it. Done deal. Quick and simple.