Customers

Your current payment options include:

  1. ACA Autopay – The most reliable and simple way to make your payments. Your checking or savings account can be debited Monthly, Weekly, Semi Monthly or Bi Weekly to match your paydays – it’s your choice. The best part is that there are no monthly fees – it’s FREE.
  2. Check by Phone – Make your payment the easy way with a check over the phone. There is a $10.00 processing fee for each transaction. Please have your checkbook handy when you call in for payment.
  3. Credit or Debit Card by Phone – Another easy way to pay over the phone. There is a $12.00 processing fee for each transaction. Please have your card with you when you call in as you will need to provide the card number, expiration date, and the 3 digit security code on the back.

    For any of the above options, please contact us at 866-544-3430.

    Click here for the Customer Autopay Form.
  4. MoneyGram Express Payment - All Wal-Mart stores serve as MoneyGram locations. The fee to process this payment is $9.95 at Wal-Mart locations and we receive your money within minutes. For other retail locations near you, call 800-926-9400 or go online to www.moneygram.com. Please note: the processing fee at retail locations other than Wal-Mart stores is $9.95. Detailed instructions are below.
  5. Money Order – You can also make a payment with a money order. In order to avoid late fees, you will need to put this in the mail at least 10 days in advance of your payment date.
  6. Check – You can also pay with a check. In order to avoid late fees, you will need to put this in the mail at least 10 days in advance of your payment date. Please write your account number on the check and send your payment to: American Credit Acceptance, PO Box 956126, St. Louis, MO 63101


MoneyGram Instructions

  1. MoneyGram Express Payment Instructions
    Locate a MoneyGram agent nearest you.
    - MoneyGram’s toll free agent location number is 800-926-9400.
    - Our toll free number between 8:00 a.m. – 5:00 p.m. CST M-F is 866-544-3430
  2. Provide the clerk at the MoneyGram agent location the following information.
    - 4 digit receive code - 3530
    - Your account number
    - Our company name and address:
    American Credit Acceptance
    961 E. Main St, 2nd Floor
    Spartanburg, SC 29302
    - Cash. The payment and transaction fee must be made in cash.
  3. You will receive an 8 digit reference number confirming your payment.

Customer Service

If you have questions about your payment date, method of payment, or about your account in general, please contact us at 866-544-3430. Or email us at Customer.Service@ACAcceptance.com