Lender Selection Process

Automated Credit Acceptance (ACA) lender selection process allows vehicle loan applications to be decision against multi-lenders criteria for an instant response from the lending source with the credit decisioning information returned in a matter of seconds.

Once the funding source receives the transaction, most of the decisions are automatic although some will need a manual credit evaluation.

The decision is returned to the Credit Specialist via a secure web site. If declined, the funding source returns the declination letter to the customer and notifies the Credit Specialists via this network.

If your in the market to purchase a new/used vehicle Auto Credit Acceptance (ACA) can help! We can help you eliminate most of the hassle you run into at the dealership. Here's how the process works:

Time is money let us help you save time and money.

  1. Apply Now!
    Apply online from the comfort of your home. The loan approval process will take only a few minutes to select the lenders available to finance your loan. We will keep your information confidential and secure at all times and in full compliance to our Privacy Policy.
  2. Auto Credit Accept (ACA) and the Credit Specialists
  3. will charge you nothing for the service. The services we provide you is absolutely FREE!
  4. When Selecting a Vehicle let the credit specialist help you select a vehicle you can afford. Then, find out what options and features are available. Make a list of your desired options in the order of importance; it always helps when trying to negotiate on price.
  5. Keep your Credit Specialists informed and they will assist you in the loan process and even help you pick the vehicle of your choice.
  6. Once the vehicle is selected the Credit Specialists will re-submit the dealerships deal structure along with your personal information and credit report in the multi-lender selection system to make sure the vehicle you picked will meet the lenders criteria before you waste your time submitting a loan application to lenders that will not approve your loan. ACA's "Book to Look Ratio" is expected to average a 90% approval rate regardless of you credit and the lenders response is generally within minutes.

Your Credit Specialist will advise you of the terms of each lender or lenders that were choosen for you using the multi-lender selection system. If approved you can buy any new or used vehicle within the lender guidelines.