Credit Acceptance is proud to be an award-winning company recognized both locally and nationally across multiple workplace categories. Our world-class culture is shaped by dedicated team members who are driven to succeed as professionals individually and together as a team. Backed by a strong product, exceptional people, and a stable financial foundation, we’ve grown into a leading provider of used and new car financing across the country.

Our Operations teams work with our consumers to promote great service, encourage them to bring their accounts current and resolve escalated issues. Team Members specialize in various segments of the contract life cycle to achieve the highest levels of performance. We are committed to providing career growth opportunities to our Team Members and we are proud of our record of promoting from within. Our flexible schedules, casual work environment and culture of having fun make this a Great Place to Work!

About this Position: NOTE: This position will work from home. Occasional planned travel to an office location may be required. The purpose of the Bilingual Title Specialist position is to:

Provide customer facing, primary point of contact support for dealers, sales, internal and external customers in order to resolve title issues primarily via telephone and email.
Accurately complete business requests and enforce Credit Acceptance’s lien on vehicles within standards of service for various request types.
Monitor for legal/risk concerns by identifying when dealer processes are inconsistent with Credit Acceptance’s expectations and escalate as necessary.
Professionally, respectfully and enthusiastically communicate with internal and external customers, Dealers, Auctions, DMV’s and other agencies to obtain needed documents or information necessary to complete title or lien requests and resolve title issues.
Ensure the information we depend on to track actions and title and lien document location is accurately documented.
Be solution focused when collaborating with others.

Outcomes and Activities:

Review and resolve title tasks: For all title/lien requests received you will ensure requests are completed within standards of service for each request type.
Properly Identify missing titles issues or errors and resolve them.
Support the Business: Provide title expertise and knowledge to our internal customers.
Missing titles, titles problems and customer support: Work with internal and external customers to identify solutions for any title issues and process requests for consumer title needs. Spend time primarily on the phones to proactively receive inbound and initiate outbound calls.
Remain compliant with our policies, processes and legal guidelines.
Adhere to attendance as outlined in the department attendance policy.

Requirements:

High school diploma.
Fluency in spoken and written Spanish
Previous experience acting as a subject matter expert in a specialized area.
Previous experience acting as a primary point of contact for customers in order to resolve issues and provide support.
Experience in any position where you had to make logical decisions and resolve complex process issues with the information provided.
Previous experience providing excellent customer service support, including timely and accurate responses to inquiries and issues.
Have high speed internet connection with a minimum of 15mbps download speed.
Proficient in Microsoft Office applications (Microsoft Outlook, Word and Excel)

Preferred:

Experience in the finance or automotive industry.
Experience with vehicle titles.
Previous working in a call center environment.
Associates degree in business or related field.

Training & Schedule Requirements:

Training:

Virtual Training
Monday through Friday, between 7:30 AM and 5:00 PM EST
Hours may vary depending on the trainer’s schedule

Schedule:

Monday through Friday, between 7:00 AM and 7:00 PM EST
Flexible 8-hour shifts
8–10 shifts per month require working until 5:00 PM EST
4–5 shifts per month require availability for phone calls starting at 8:00 AM EST

Targeted Compensation: $22.25 - $25.93/hour based on experience

Targeted Bonus: Uncapped monthly bonus potential based on individual performance. The estimated average bonus target for this position is around $400/month.

Benefits

Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work

Our Company Values:

To be successful in this role, Team Members need to be:

Positive by maintaining resiliency and focusing on solutions
Respectful by collaborating and actively listening
Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions
Direct by effectively communicating and conveying courage
Earnest by taking accountability, applying feedback and effectively planning and priority setting

Expectations:

Remain compliant with our policies processes and legal guidelines
All other duties as assigned
Attendance as required by department

Advice!

We understand that your career search may look different than others. Our hiring team wants to make sure that this would be a fit not just for us, but for you long term. If you are actively looking or starting to explore new opportunities, send us your application!

P.S.

We have great details around our stats, success, history and more. We’re proud of our culture and are happy to share why – let’s talk!

Required degrees must have been earned at institutions of Higher Education which are accredited by the Council for Higher Education Accreditation or equivalent.

Credit Acceptance is dedicated to providing a safe and inclusive working environment for all. As part of our Culture of Compliance, we are proud to be an Equal Opportunity Employer and value our culturally diverse workforce. All qualified applicants will receive consideration for employment regardless of the person’s age, race, color, religion, sex, gender, sexual orientation, gender identity, national origin, veteran or disability status, criminal history, or any other legally protected characteristic. all team members demonstrate mutual respect for one another. All qualified applicants will receive consideration for employment without regard to protected characteristics like age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

California Residents: Please click here for the California Consumer Privacy Act (CCPA) notice regarding the personal information Credit Acceptance may collect from you.

Play the video below to learn more about our Company culture.

About the company

Credit Acceptance provides auto financing solutions for people with poor or no credit by partnering with a network of enrolled car dealers. Dealers in the program can approve loans for customers who are declined by traditional lenders, using a proprietary credit approval process that assesses risk and creditworthiness. The company earns money from interest and fees on these loans, and also offers financial wellness resources like the ExtraCredit program to help customers improve financial literacy. This approach targets the subprime auto market, expanding dealer sales and offering financing options to high-risk borrowers who might otherwise be unable to buy a vehicle. The goal is to help underserved borrowers access auto loans, support dealer networks, and enable customers to rebuild their credit while growing profitability.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Southfield, Michigan

Founded

1972

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Simplify's Take

What believers are saying

Q2 2026 net income rose to $135.9 million, lifting earnings 71% year over year.
Loan volume stabilized in June and July 2026 after early-year declines.
The settlement says fewer than 3% of open accounts face debt forgiveness.

What critics are saying

September 17, 2026 AG settlement imposed $694 million cash relief and debt forgiveness.
States targeted unaffordable loans and dealer add-ons, inviting stricter supervision through 2028.
Subprime loan volume fell 4.3% in Q1 2026 and 1.0% in Q2 2026.

What makes Credit Acceptance Careers unique

Proprietary dealer network and scoring model still underpins Credit Acceptance's subprime auto niche.
September 2026 warehouse and ABS extensions secured funding through September 2028.
Jeetu Mirchandani joined August 27, 2026 to accelerate digital-first, AI-enabled operations.

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Benefits

401(k) Company Match
Remote Work Options
Flexible Work Hours
Adoption Assistance
Parental Leave
Tuition Reimbursement
Health Insurance
Dental Insurance
Vision Insurance

Company News

Carscoops

Sep 29th, 2026

Subprime auto lender settles for $694 million over loans "destined to fail"

Subprime auto lender settles for $694 million over loans "destined to fail" States allege Credit Acceptance knowingly financed car buyers who couldn't repay, then pursued collections and repossessions 3 hours ago * States allege Credit Acceptance knowingly approved unaffordable subprime auto loans. * Consumers will receive $60 million in cash and $634 million in debt relief. * New rules target packed add-ons, inflated prices, and loans that quickly fail. Buying a car is difficult enough without a finance company allegedly approving a deal that its own calculations suggest you cannot afford. Yet that is the accusation at the center of a sweeping multistate settlement with Credit Acceptance Corporation. Regulators say the subprime lender knew, or should have known, that some borrowers were likely to fail, but financed their purchases anyway. Credit Acceptance has now agreed to provide $694 million in cash and debt relief to resolve allegations brought by a bipartisan coalition of 41 state attorneys general. The alleged mechanics are particularly troubling. Credit Acceptance assigned each loan a proprietary score predicting how much money it expected to collect from all available sources. According to the AG, the company approved some loans even when its own score predicted that the borrower wouldn't repay the principal. In other words, getting approved wasn't necessarily evidence that the buyer could afford the car. Regulators allege the lender had already calculated how badly the loan might perform and proceeded anyway. Many borrowers subsequently defaulted, lost their vehicles to repossession, and remained exposed to collection efforts. Practices like these also complicate the broader discussion around vehicle affordability. A completed sale looks like consumer demand, but that doesn't mean the buyer could sustainably afford the car. At the dealership level, an approval turns an otherwise impossible purchase into another unit sold. The states also accused Credit Acceptance of encouraging or failing to prevent dealers from packing contracts with vehicle service agreements and GAP coverage. Some consumers allegedly did not know they were purchasing the products, while others were told the add-ons were required to obtain financing. Under the settlement, $60 million will go toward cash restitution. Another $388 million in debt will be forgiven for qualifying consumers whose vehicles were repossessed, while $246 million will be erased for borrowers who still have their cars. Credit Acceptance must separately pay $15 million to the participating attorneys general. Future protections include clearer warnings about default risk and vehicle value, tighter monitoring of add-on sales, and a seven-year cap limiting certain vehicle prices to 109 percent of retail book value. Qualifying borrowers whose particularly risky loans fail quickly may also receive 95 percent debt relief. The settlement takes effect November 2, 2026. Credit Acceptance had not responded to a request for comment when Reuters reported on the agreement. Eligible borrowers will be contacted either by the company or a claims administrator. Photos: google maps.

GlobeNewswire

Sep 22nd, 2026

Credit Acceptance announces Shannon Wilson as Chief Human Resources Officer.

Credit Acceptance announces Shannon Wilson as Chief Human Resources Officer. Business and transformation officer joins the Executive Leadership Team to help drive Credit Acceptance's next chapter of growth. Southfield, Michigan, Sept. 22, 2026 (GLOBE NEWSWIRE) - Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the "Company", "Credit Acceptance", "we", "our", or "us") today announced that Shannon Wilson will join the Company as Chief Human Resources Officer (CHRO) on September 28, 2026. Ms. Wilson is a business and transformation executive with an unusual breadth of experience spanning human resources, frontline operations, technology, and workforce strategy. She has led through growth, complexity, and significant change at iconic brands and startups. "Our ambitions for Credit Acceptance are high, and we have been deliberate about building a leadership team capable of realizing them," said Vinayak Hegde, Chief Executive Officer. "That means bringing in leaders who are exceptional in their fields but think and operate across the enterprise. Shannon embodies that. She brings deep human resources expertise, but she is also an experienced operator who understands technology, organizational systems, and what it takes to execute through complexity and change. She has seen what great looks like at scale, and I am excited to have her as a partner as we turn our ambitions into action." Ms. Wilson's career began in frontline retail operations at Best Buy and The Home Depot, experiences that shaped her deep connection to customers and frontline employees and the operations-first perspective she has carried throughout her career. During more than a decade at Amazon, she brought that perspective to extraordinary scale, eventually leading Human Resources for North American Customer Fulfillment and organizations focused on workforce strategy, product, technology, analytics, and science. Most recently, as Chief People Officer at Alto Pharmacy, Ms. Wilson applied those lessons in a very different, highly regulated environment, helping a technology-driven startup navigate significant transformation and build the organizational capabilities needed to adapt, grow, and thrive. Credit Acceptance continues to evolve and invest for long-term growth. The Company is strengthening how it operates, focusing on great talent and performance, and becoming more technology- and AI-enabled while building on the mission, culture, and principles that have made Credit Acceptance successful for more than 50 years. Ms. Wilson added: "For many people, a vehicle is a link to real opportunity. Credit Acceptance partners with dealers to help make vehicle ownership possible for consumers who might otherwise struggle to obtain financing. The impact extends far beyond the purchase of a vehicle, creating opportunities for people to build careers, support their families, and contribute to their communities. That combination of purpose and problem-solving drew me to the Company." Description of Credit Acceptance Corporation We make vehicle ownership possible by providing innovative financing solutions that enable automobile dealers to sell vehicles to consumers regardless of their credit history. Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our financing programs, but who actually end up qualifying for traditional financing. Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones. Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing. Credit Acceptance is publicly traded on the Nasdaq Stock Market under the symbol CACC. For more information, visit creditacceptance.com.

MyChesCo

Sep 19th, 2026

Credit Acceptance deal erases millions in Pennsylvania debt.

Credit Acceptance deal erases millions in Pennsylvania debt. HARRISBURG, PA - Pennsylvania consumers are expected to receive more than $20 million in debt relief and restitution under a multistate settlement with Credit Acceptance Corp. that resolves allegations the auto lender made unaffordable loans and added unwanted products to financing contracts. The agreement takes effect Nov. 2 as part of $694 million in nationwide consumer relief. Qualifying Pennsylvania borrowers are estimated to receive more than $17 million in debt relief and about $2.97 million in restitution, according to Attorney General Dave Sunday's office. Pennsylvania is also expected to receive $469,623 for future consumer-protection and education efforts. The settlement was reached by Pennsylvania and attorneys general representing 40 other states and jurisdictions. It resolves allegations against Credit Acceptance, one of the nation's largest auto finance companies, involving loans made to borrowers with limited or impaired credit histories. Discover more Switch Broadband Providers Access Premium News Explore Tactical Gear The states alleged Credit Acceptance originated loans it knew or should have known consumers could not afford based on its own internal evaluations. Some borrowers subsequently defaulted and had their vehicles repossessed and sold at auction, according to the Pennsylvania Attorney General's Office. "This auto loan company did not do their due diligence to ensure the loans they were providing were appropriate for consumers," Sunday said. He also alleged that unnecessary add-on products increased borrowers' financial burdens. Nationwide, the agreement provides $60 million in cash restitution for consumers who received certain higher-risk loans. Credit Acceptance will also provide $388 million in debt relief by Nov. 2 for qualifying borrowers whose vehicles were repossessed and $246 million for qualifying borrowers whose vehicles were not repossessed, allowing those consumers to retain their vehicles. Those debt-relief provisions apply to certain loans originated between Nov. 1, 2015, and Nov. 30, 2025. Credit Acceptance will make an additional $15 million payment to the participating attorneys general. The agreement also imposes changes on the company's lending practices. For certain qualifying loans originated beginning in December 2025 that fail quickly, Credit Acceptance must provide borrowers with 95% debt relief and cannot pursue collection lawsuits against them. Discover more Claim Your Listing Access Premium News Read Community News That requirement will remain in place for five years beginning Nov. 2, 2026. The settlement also establishes procedures intended to prevent dealers from adding unwanted Vehicle Service Contracts and Guaranteed Asset Protection products to Credit Acceptance financing agreements. Requirements include enhanced disclosures before purchase, post-purchase notices and a process intended to make cancellation easier, along with dealer monitoring. Credit Acceptance must provide borrowers with pre-loan disclosures addressing default risks and vehicle values. For seven years, the company must also cap vehicle prices at 109% of retail book value for certain consumers. The lender must establish procedures designed to prevent dealers from increasing vehicle prices based on a borrower's creditworthiness or charging more than an advertised price. Credit Acceptance will notify customers who qualify for debt relief. A claims administrator will contact consumers eligible for restitution. The settlement's executive committee includes the attorneys general of Maryland, Arkansas, California, Illinois, Minnesota and New Jersey. Pennsylvania joined the agreement with attorneys general from more than 30 other states and the District of Columbia, while New York is separately settling litigation it brought against Credit Acceptance in federal court. Pennsylvania's Department of Banking and Securities identifies motor vehicle finance companies among the non-depository businesses it regulates, while the Attorney General's Office investigates potential unfair and deceptive practices involving the financing of goods and services. Discover more Order Demographic Reports Support the local news that supports Chester County. MyChesCo delivers reliable, fact-based reporting and essential community resources - free for everyone. If you value that, click here to become a patron today.

Prince William Reporter

Sep 18th, 2026

Attorney General Jay Jones announces $694 million settlement with Credit Acceptance Corporation.

Attorney General Jay Jones announces $694 million settlement with Credit Acceptance Corporation. Attorney General Jay Jones announced on Sep. 18 that Virginia and 40 other states have reached a $694 million settlement with Credit Acceptance Corporation, one of the nation's largest auto finance companies, over allegations related to subprime car loans. The agreement provides more than $2 million in restitution and over $17 million in debt relief for Virginians impacted by the company's lending practices. Jones said, "Companies that are reckless with consumers' finances will be held to account. For years, CAC took advantage of Virginians through misleading practices. These deceitful efforts have a tremendous negative impact in a moment when Virginians are already facing financial strain. Every Virginian is entitled to a fair, transparent credit market when they need to buy a car." He continued, "I am proud of our team for holding lenders accountable for predatory practices. We are thrilled to be putting money back in the pockets of hardworking Virginians." The settlement includes injunctive terms requiring Credit Acceptance Corporation (CAC) to provide disclosures about loan risks and protections from certain risky loans. It also mandates measures against dealers adding unwanted Vehicle Service Contracts (VSC) and Guaranteed Asset Protection (GAP) products into auto-loan contracts without consumer knowledge or consent. According to the attorneys general involved, CAC originated loans it knew or should have known consumers could not afford, often assigning low proprietary "scores" predicting poor repayment prospects. Many such loans resulted in defaults and vehicle repossessions followed by auction sales. The settlement also resolves allegations that CAC encouraged or failed to prevent unlawful product "packing" by auto dealers due to its dealer compensation methods and oversight. The agreement allocates $60 million nationally for cash restitution - over $2 million directed to Virginia - and requires CAC by Nov. 2, 2026, to provide hundreds of millions more in debt relief: $388 million for consumers whose cars were repossessed and $246 million for those who kept their vehicles despite risky loan terms. An additional payment of nearly $350,000 will go directly to Virginia's Office of the Attorney General. Consumers can contact CAC at (800) 634-1506 or the Consumer Protection Hotline at (804) 786-2042 regarding eligibility or questions about relief under this settlement; information will also be provided directly by CAC and through an appointed administrator overseeing restitution distribution. The Consent Judgment was filed on September 17, with approval pending before Richmond Circuit Court. The Attorney General of Virginia supports civil rights enforcement; offers legal counsel and representation statewide; addresses issues such as human trafficking; serves all residents across the Commonwealth; provides consumer protection resources including identity theft assistance; and is currently led by Miyares as its 48th officeholder, according to the official website.

The Journal Record

Sep 18th, 2026

Oklahoma gets $1.76M from $694M auto loan settlement.

Oklahoma gets $1.76M from $694M auto loan settlement. OKLAHOMA CITY - Oklahoma and 40 other states have reached a $694 million settlement with Credit Acceptance Corp. over allegations involving risky auto loans and the sale of vehicle service contracts and guaranteed asset protection products. Attorney General Gentner Drummond announced the settlement Sept. 17. Oklahoma will receive $1.76 million. "Thousands of consumers suffered harm from Credit Acceptance Corporation's predatory lending practices," Drummond said. "This settlement holds CAC accountable to the law and forces fundamental changes to the company's business practices." Credit Acceptance, one of the nation's largest auto finance companies serving consumers with limited or impaired credit histories, will provide $60 million in cash restitution and $634 million in debt relief to consumers. The settlement resolves allegations that the company originated loans it knew or should have known consumers could not afford. The states also alleged that Credit Acceptance failed to reasonably prevent dealers from adding vehicle service contracts and guaranteed asset protection products to loan contracts without consumers' knowledge or understanding. For certain risky loans made between Nov. 1, 2015, and Nov. 30, 2025, the company will provide $388 million in debt relief to consumers whose vehicles were repossessed and $246 million to consumers whose vehicles were not repossessed. The latter consumers will be allowed to keep their vehicles. The settlement also requires additional disclosures about loan risks and protections for consumers. It takes effect Nov. 2. Consumers with questions can call 1-800-634-1506. Eligible consumers will be notified by Credit Acceptance or a claims administrator.

Credit Acceptance Careers

Bilingual Specialist

About the job