American Credit Acceptance Company

American Credit Acceptance (ACA) is an indirect automotive lending institution that provides financing to emerging credit consumers from coast to coast. ACA manages more than $5 Billion in assets and has successful relationships with the top ten automotive dealer groups and thousands of independent dealerships across the nation. Headquartered in beautiful Spartanburg, South Carolina, ACA employs over 1000 associates and has an A+ rating with the BBB. Spartan Financial Partners, a division of ACA, specializes in providing capital solutions including Lines of Credit and Bulk Purchases for Buy Here Pay Here dealers and Independent Auto Finance companies across the country.

Our vision is to empower the emerging credit consumer to purchase reliable and affordable transportation. We accomplish this by working #BetterTogether, which is our rally cry. All of our actions and decisions are driven by our guiding principles, which are:

Integrity- Conduct all business in an honest, forthright, and ethical manner.

Initiative- Be decisive and passionately pursue opportunities with a sense of urgency while continuously adapting and refining strategies.

Partnership- Honor commitments and develop enduring relationships grounded in mutual trust, respect, service, and reliability. This applies to customers, teammates, investors, financial partners, vendors, and our communities.

Humility- Recognize what we do not know, actively seek knowledge and guidance in our decision making, and acknowledge, learn, and grow from our mistakes.

Fulfillment- Reach our full potential by developing our talents, earning meaningful responsibility, and overcoming challenges as a team and find purpose in the positive impact we have on our business, family, and community.

Principled Entrepreneurship- Create long-term value by anticipating opportunities for profitable growth, satisfying the evolving needs of the customer, and embracing change while striving for continuous improvement. Exercise sound judgment and take calculated risks to deliver superior results.