Credit Acceptance

Employees say:

"The drive to continually improve is so unique. I have worked at this company for 9 years and I will think frequently that it can't possibly get any better, yet it always does. From special recognition (unburied life, awards, shout outs) to passion for our dealers (training, reporting, outreach) and commitment to making our team members' and customers' lives the best they can be. Our entire leadership team works with a passion and moral compass that is second to none."

Employees say: "Working here is like having 1,000 or so brothers and sisters. Maybe cousins. Just last week we had our anniversary party, and it felt more like a family reunion than a stuffy corporate function. A great example of this Family feeling is from the end of 2023. One of my team members lost her husband in a car accident, and the CA family banded together to raise over $10,000 to help her with expenses and hardship. Just another reason I am proud to work here."

Employees say:

"CAC is unique to me because of the company's faith in its employees. I feel uplifted and supported by my employer when faced with unexpected circumstances. My schedule is flexible and allows me to take care of my family and work my hours within a doable timeframe. Thank you CAC!"

Employees say:

"The listening culture is great. I love that the company takes the time out to listen to their employees and take actions to let us know they have heard us."

Employees say:

"I truly feel that the company cares for and values me as an employee. I'm thankful for my work-life balance, fair pay, the ways our company strives to engage our workforce while still maintaining a remote first environment, and our healthcare benefits, which ease a lot of financial anxiety around having a chronic illness."

Thanks to contributions from employees and a 100% company match for those donations, in 2024 Credit Acceptance officially reached $1 million in donations to Make-A-Wish and St. Jude Children’s Research Hospital after years of annual giving. The auto finance firm continues to sponsor a Let’s Talk podcast, where employees discuss issues such as ableism, beauty standards, and code switching in the workplace. 

In 2022, New York Times bestselling author Ben Nemtin led workshops in which employees were encouraged to share personal aspirations and post them on internal company sites. Credit Acceptance has since supported a number of these projects, such as sponsoring a group of workers whose goal was to learn American Sign Language. 

The company estimates that its profit-sharing program will issue anywhere from $7,500 to $11,000 per employee over the next five years. At the company’s monthly management team meetings, more than 250 leaders gather in a hybrid format to offer managers their best practices for success in hybrid work environments. Those in director positions and above also meet in-person twice annually to foster camaraderie and establish corporate strategy for the long term.a

• The Credit Acceptance workforce is predominantly remote, so leadership launched a survey and held 28 focus groups to learn how they could foster company culture. As a result they opened six regional hubs, where employees can gather to make in-person connections with colleagues.


• In 2022, Credit Acceptance launched a pilot program called Facilitative Leadership to help company leaders learn how to build collaborative and inclusive teams.


• “Credit Acceptance listens to what its team members need,” said one employee. “For instance, when people reported struggles with emotional health, we were given access to emotional health webinars and resources.”


• In early January, the New York attorney general and the federal Consumer Financial Protection Bureau sued the company for issuing high-interest car loans to low-income New Yorkers.