American Credit Acceptance SCRA: 6% Cap, Request Form, 180-Day Window

Start with the name. American Credit Acceptance, LLC (ACA) is a subprime auto lender headquartered at 961 East Main Street in Spartanburg, South Carolina, that buys retail installment contracts from dealers. Credit Acceptance Corporation is a different subprime lender in Michigan. The two get confused constantly, and only one of them publishes an SCRA process we could verify on August 15, 2026: ACA. Its customer FAQ has an SCRA question, and it links a one-page Interest Rate Reduction Request Form that spells out the terms in more detail than most auto lenders put on a web page.

Because ACA originates through dealers at subprime rates, the 6% cap is worth more here than at a prime lender. On a $17,000 ACA contract at 20%, the cap forgives roughly $2,380 of interest in the first year. Put your own balance and rate into the savings calculator to see what the corrected payment should be.

What ACA publishes, FAQ and form together

Every line in the “rate” rows tracks § 3937: a 6% ceiling on pre-service debt, forgiveness of the excess, a 180-day window after release to give notice, and an effective date of the day you were called to service. Fees are covered too, because the statute defines interest to include service charges and fees other than bona fide insurance, whether or not ACA’s form mentions them. Separately, if you paid a deposit or an installment before entering service, § 3952 bars repossession of the vehicle for a breach without a court order.

The form adds one paragraph most lenders skip. It says state law may provide additional or different benefits, in some cases to your dependents, and that ACA will review and apply any state-law interest rate benefit based on the information you provide and the address on file. Other state benefits may need a separate request, and a dependent’s request goes to the same Spartanburg address. If you live in a state with its own military lending relief, say so in the request rather than assuming ACA will look it up.

Filing with ACA

File your SCRA request with American Credit Acceptance

1. Confirm the retail installment contract names American Credit Acceptance and was signed before your active-duty start date. Note the account number.
2. Call 1-855-292-6426 and tell the associate you are requesting SCRA benefits. Questions about whether the benefit applies can also go to (864) 256-2350, the number printed on the form.
3. Download the SCRA Interest Rate Reduction Request Form from the FAQ page, fill in your name, address, phone, and account number, and sign and date it. The form says it is optional, but it puts your request in ACA’s own format.
4. Attach your documents: orders plus any extensions plus another indicator of service (a certified letter from your commanding officer works), or orders plus your most recent military pay stub plus a copy of your military ID.
5. Send the package to American Credit Acceptance LLC, Attn: SCRA Request, 961 East Main Street, Spartanburg, SC 29302, fax 866-633-0622, or email SCRA@acacceptance.com. A § 3937 letter from the letter generator can ride along with the form.
6. ACA promises a written response but no date. Ask for one on the call, then check the response for the 6% rate, an effective date equal to your active-duty start date, and a lower payment. If the effective date is wrong, answer in writing; the escalation guide covers what comes next.

Where ACA borrowers get tripped

Sending the request to the wrong “Credit Acceptance.” A letter addressed to Credit Acceptance Corporation does nothing for an ACA account, and the reverse is also true. The lender’s name is on your contract and every statement. Match it before you mail.

The FAQ mentions a fax number it does not print. ACA’s FAQ says to return the form “to the address or fax number listed below” and then lists only the Spartanburg address and an email. The fax number, 866-633-0622, is on the form itself. Both routes work; the FAQ page just does not show one of them.

The email may look scrambled on the page. ACA’s FAQ displays the SCRA address through a script that some browsers and privacy tools show as “[email protected].” The address is SCRA@acacceptance.com. If you cannot read it on the page, that is why.

The 180-day window is real, and so is the retroactive credit. You can request the reduction up to 180 days after release from active duty, and ACA says it applies the 6% rate retroactively where applicable. Filing late does not forfeit the months you already served; it delays the refund. If interest above 6% was charged during service, the refund guide explains how the credit should be computed.

Documentation has two doors. If you cannot get a commanding officer letter, ACA’s form accepts orders plus a recent pay stub plus your military ID. Use whichever set you can assemble fastest, and keep copies.

A contract you signed after enlisting is not this. Financing obtained after your active-duty start date is outside § 3937, and a purchase-money auto loan secured by the car is excluded from the Military Lending Act as well; the MLA vs SCRA guide explains why neither cap reaches it. The signing date decides.

See how ACA’s published process compares with other subprime auto lenders on the bank leaderboard, and use the universal auto-lender guide for the steps that are the same everywhere.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute.