I'm seeing alot of negative comments about Credit Acceptance. I bought a car they financed in 2013. I was late alot of the time, due to being divorced. The never charged me late fees or tried to reposess the car. If I couldn't afford the monthly payment, I always paid something. I was 90 days past due sometime. The car is paid off now and received the title in 2 weeks. If you can't make your full payment, pay them something. It is what probably stopped them from repossession.