ACA Strategic Partners Division -Program Overview 2015

Partnership Program

American Credit Acceptance strives to be the leading provider of
capital solutions in the emerging credit automotive market

Program Features

Customer: Underwriting Guidelines:

 No Minimum FICO Score  Non-Recourse

0 FICO’s, Thin Files, and 1st Time Buyers  No Mileage or Age Restrictions

 No Minimum Income, Job Time or  No Minimum or Maximum Loan Amount
Residence Time Term up to 72 Months

 Self Employed/1099  Flat Based on Front-End ATF

(With 3 months bank statements) $100 ($7,000 - $11,999 ATF)
$200 ( $12,000+ ATF)
 Tax ID / No Social Considered
 30% Total Down of Sales Price Waives
 Open Chapter 7 & 13 BK Considered POI/POR (Cash or Trade)

(Requires employment verification and/or
proof of eligibility)

 Service Contract / GAP Considered Back-End

Flexible Structure | Responsive Underwriting | Incremental Business

Underwriting: Reminders:

[email protected] No credit card down payment
Fax: (855) 277-6303 Total down must match Tier 1 or Tier 2 approval
Products not to exceed approved product allowance
Funding: Must have joint credit authorization (if applicable)

[email protected]
Fax: (855) 277-6302

Dealer Support: (855) 295-8810 | Customer Questions? (866) 544-3430

Rev. 04.2015

Partnership Program

American Credit Acceptance strives to be the leading provider of
capital solutions in the emerging credit automotive market

Funding Requirements

Legal Documents *

Retail Installment Contract Odometer Disclosure
Notice to Co-Signer (if applicable) Ancillary Contracts (if applicable)
Buyer’s Order / Bill of Sale Credit Application
Title Application / Proof of Title
Authorize joint credit if applicable

Customer / Dealer Stips *

Verify Tier Selection Proof of Residence (See POR Guide)

Bookout Sheet Employer Contact Information

Driver’s License Proof of Insurance

Proof of Income (See POI Guide) 5 References

* See Funding Checklist

Lien Holder Loss Payee Closing Packets Closing Packets
(Title App): (Insurance): sent via FedEx: sent via UPS or USPS:

American Credit Acceptance American Credit Acceptance American Credit Acceptance American Credit Acceptance
PO BOX 1899 PO BOX 4537 4054 Willow Lake Blvd 3268 Progress Way
Suite 2096 Suite 2096
Spartanburg, SC 29304 Carmel, IN 46082 Memphis, TN 38153
Wilmington, OH 45177-7700

Dealer Support: (855) 295-8810 | Customer Questions? (866) 544-3430

Rev. 04.2015