Billing Questions

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

Yes, please complete the following authorization form, print, sign and forward all required documentation to:

American Credit Acceptance
AutoPay
961 E. Main Street
Spartanburg, SC 29302

Customer ACH (AutoPay) Form

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Please allow for 1-3 business days to see funds withdrawn from your account.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Please allow for 1-3 business days to see funds withdrawn from your account.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 1-855-295-8808 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 1-864-256-2350 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 us at 1-855-292-6426 in order to be routed to our insurance department so we can further assist your needs.

Please mail all insurance coverage information to American Credit Acceptance PO Box 3487 Coppell, TX 75019 and any total loss or repair documents to American Credit Acceptance 961 East Main Street Spartanburg, SC 29302.

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.