business development specialist

sales specialist

regional sales manager

sales representative

outside sales representative

American Credit Acceptance

It's a good thing I got away from this place with my sanity in tact 

The IT department leaves much to be desired

Software Development isn't particularly efficient, as they can't seem to decide on which methodology they want to use. The developers seemingly work nonstop yet the output doesn't seem to match


QA is a joke, a loud unfunny joke, there's a perception that exists saying QA is the bottom rung of IT. While not inherently accurate it rings true here

Quality Assurance is essentially a plantation (figuratively and literally) lined with immigrant workers who slave away profusely because they're afraid to lose their visa status. 

"If you dont do as I say you will be sent back to India!!!!"


These indentured individuals are probably the only types of people willing to endure the tone deaf management they have over there


Executive leadership got rid of the CIO and never found another one because apparently they're super awesome at everything and don't need one

No credentials or experience necessary 


Co-worker engagement is non-existant. People mysteriously come and go. Hey who's that person? Are they new? What happened to so and so? Did they quit? Were they fired? Nobody knows 


There is no career path to speak of, they just change people's titles every so often while they continue doing the exact same job


The management structure is very unprofessional, akin to a bunch of spoiled brats with access to money. They think all of their ideas are good ideas when most of the time they have no idea what they're talking about 


It seems this company doesn't believe people need to be qualified for the position they hold and it shows


Ironically it often seems like the lower down the chain you go (to the people actually doing the work) the more knowledge those people sometimes possess, in which case these individuals get burnt out and leave, or get viewed as a threat and gotten rid of. Neither of which are good for businesses 

The stress and bewilderment of reporting to people who have no clue what they're doing takes its toll and drives home the fact that your career is essentially marked for death upon joining this organization 


The job postings on their website are funny when read with understanding.
"Fast paced and challenging" environment effectively means chaotic and disorganized 


They have an aversion to formalized structure as apparently they view it as a "threat to innovation".  What this translates into is "We're not going to define any standards so we can change them whenever we want, make them up as we go along, or create different rules for different people, groups, etc"

No diversity whatsoever, none 

The aim here is not to speak badly, but to inform people about this place, so they can stay away from it

Far, far away

ACA was a good place to work in the beginning.  However, as time went on the company went downhill in their treatment of employees.  While there, I witnessed employees stealing time from the company be promoted to supervisors because they were friends with the manager.  I witnessed employees make severe mistakes with wrongfully repossessing cars(at least 6 times in 6 months) with only verbal warnings, while others who made a slight mistake that did not result in any wrongful repossessions reprimanded with a written warning(more serious than a verbal warning).  I witnessed an employee called to HR and threatened with a written warning for coughing(prior to COVID, around Janurary 2019)  I witnessed an employee receive a final warning with no prior written warnings for asking their supervisor a question about policies and procedures.  This company at one time seemed like a good place to work.  However, after 8 years there, I can attest that, overall, it is not a good company to work for.  The pay is substandard for this industry.  The company tries, unsuccessfully, to make up for lack of pay with lunches and prizes.  The management sees no potential in current employees and regularly seeks to fill supervisory positions from outside the company(my last year there 7 out of 10 supervisory positions were filled from outside, in my department alone).  The only good thing about this company is work/life balance.  However, this is only bittersweet, in that the company does have a good paid time off policy, but those who are not off are required to do the work of those who do not show up for work.  So, you have a situation where the same employees are not there time after time, while those who are responsible and show up to work are left "holding the bag"(doing all the work).  Additionally, the insurance is the most terrible compensation package I have ever seen.

Had a job in outside sales. During a recent expansion, ACA hired a lot of outside management that destroyed the culture. 

Management expected the same performance from smaller and larger territories. They expected outside sales reps to visit every dealer in their territory each month. An easy task for territories with 40 dealers, but my territory was almost 100 dealers.  I put 55000 miles on my car in 18 months.

Went from a cooperative work environment to a do what your told. We would have morning team meetings (three people) to collaborate on in house contracts. Meeting went from 10 minutes to a 30 minute meeting with over 20 people. No collaboration. Just had people read the remaining stips. I could've save the 30 minutes and read the stips myself.

Also, management told us the change was made because WE asked for the change. I never asked for the change. My team never asked for the change. We liked the old way because we worked good as a unit and we were close. New DOT 2.0 drove a wedge into the solidarity that was built over 5 years and management was unable or unwilling to recognize the issues.

Management also tried to claim new way was the cause of faster funding time. However, the same time the test team was improving their funding time, the entire company was funding faster due to the decrease in contracts in house.

Management has no empathy. They will ask you questions and get annoyed when your answers are not what they want to hear. They will then single you out and start to retaliate against you. My manager tried to get me to quit for giving my input about where I saw myself with the company in 5 years. 

I was overworked and underpaid. Under appreciated. First two years there was wonderful. Place went down and I would never recommend anyone working there.

ACA is a fast paced and ever changing organization. They value initiative and self motivation. Therefore, this company is not for everyone. If you want things handed to you and think you deserve recognition just for showing up, don't bother applying. 

However, if you like a challenge and have the motivation to develop your own career path, you will do well here. People are promoted and advanced based on their initiative and demonstrated skill. Show that you are willing to learn and develop and you will go far. Be professional and helpful with your team and your manager and you will go far. Show out and act like a fool....you won't last long. 

The company really does care about the associates. There are countless events held for associates (Theme Park day, Associate Appreciation Week, Lunches etc.). They also care about the community. Everyone gets 4 hours per quarter paid to go volunteer during work hours. Benefits can be expensive for family plans. Pay is about average with other companies in the area. Raises are earned based on performance. Again, do your job well and show initiative and you will go far. I like that ACA provides career development plans where someone from HR works with you and your manager to outline goals and objectives for you to advance in your career. Not all companies do that. PTO is about average. 3 weeks per year. There could be a few more holidays built in. Right now, only 6 paid holidays. Sometimes they give an additional day at Christmas but not always. 

Overall, a great company.

This started off as a great company, but over the years things have steadily gone down hill.  Medical benefits have gotten worse. As of now, there are only two plans available. One has a $2,500 deductible and the other is $3,000. The $2,500 deductible plan is expensive and the other plan is hdhp so you're basically paying for everything out of pocket unless something catastrophic happens.  HR has made the culture very uncomfortable by taking away anything that they have deemed as privileges for the employees. There is no flexibility for the employees even when it's in the best interest of the company. HR has made it so tense to the point that it's an issue for an employee to come in early, even if it's only a few minutes. This is a good company for one to gain some experience, but there is a high turnover rate due to employee dissatisfaction.  The employees are mostly hard- working, but they are  miserable and it shows.  The CEO does make attempts to hear what the employees have to say, but very few, if any improvements have been made. Lastly,  management tends to make decisions that do not make good business or even logical sense sometimes.  They would be more successful if they communicated with the people who do the job on a daily basis, but most of them don't take enough time to research the processes before changing them. It makes things harder for those who are doing the work and confuses the customers.

I get to see who comes and goes.  A lot of the good management rotates out and the longer existing management is clicked based.  They want a good culture and for you to speak you mind. In reality they want you to accept what they think is a good culture and be a yes person. Now there are some departments with good management that are great to work for just don't expect that management to stay long. The pay is good only if you bargain up front don't expect a lot after that, unless you are good standing with the main click group. Thier business formula has been good and how to manuever the market so they have done well in that are so far. If you get a job here make sure to only speak up when it fits the culture, don't speak up on systemic issues that need to be correct even if you are offering to be part of the solution, you will still be ostracized and there is no coming back from that here. Also there tends to be a pattern of a smaller portion of the work force knowing and taking on a bigger part of the work load. A majority of the workers are not qualified for their jobs or only do just enough to get by.  Pace yourself if you work here or you will get burned out, while the "get by" works won't be held accountable and will still get similar compensation increases.

With ACA its different per building you are working in. Some dept start you off as a temp some you get hired own through the door. 

If you have a job where you make inbound calls more than likely someone from collections is transferring the call to you. The people in collection have rude attitudes and unprofessional.

ACA its self is unprofessional for them to been around about 8 years. I worked in the title dept and my supervisor was a trip. She showed favoritism. She love arguing with her employee, when it wasnt even necessary. When you would tell the manager about it he act like he didnt care. The manager doesnt try to get to know you, they just worry about if you during the job correctly or not. Other than that you dont exist to them.

The restrooms always smell and they dont have toilet seat covers

Also I feel like in the 961 building they try to put all the african americans in that building, like they trying to segregate. But thats just me.

Overall if you want some experience in the office or business profession than I say this is okay start. So you can get the feel of it. Just stay to yourself, the people are very meddling.

American Credit Acceptance offers solid entry-level opportunities, especially for those new to the financial services industry. The company invests in employee development and provides a clear path for internal growth—most roles start on the phones, but advancement is possible after six months with strong performance.

While the work can be repetitive, ACA makes an effort to maintain morale through team-building and company-wide events. The attendance policy is flexible, allowing agents to use accrued PTO and flextime without penalty when properly communicated.

Compensation may not be the most competitive, and workload balance can be challenging, but the experience and career progression make ACA a valuable stepping stone. With consistency and initiative, employees can build transferable skills and grow within the organization.

Worst place I have ever worked. Completely a "good ole boys club".  Males must have prior experience from Wells Fargo for advancement or to be in "the good ole boys club". Females don't waste your time, you will never make it past a supervisor level.  Experience, knowledge, skill or education has no weight for advancement. Supervisors do not receive raises and bonus structures just magically decreases or disappears with no notice.  Management has a extremely bad habit of promising rewards and bonus that NEVER happen.   Background checks are not completed, therefore resulting in violent employees being hired.  The police know ACA quite well due to numerous threats from estranged employees.   It is also normal for the ambulance to be there.  Employees are pushed beyond their limits resulting in many health issues. Employees and supervisors constantly pushed for productivity with little to no incentive, budget cuts constantly increasing, yet manager and CEO's party in Vegas.  For your own health and safety stay away.

Overall ACA isn't a terrible place to work for if you can handle high amounts of stress and pressure. The good things about ACA are that all its employees are good and decent people who are much fun to work with. There's also plenty of opportunity for growth within the company. I was a servicing specialist (collections agent) However I quit after one year for two reasons. 1. I could no longer take customers having extremely bad attitudes with me on a almost daily basis. It was draining me mentally and emotionally. 2. With very little time to train and prep, they moved me to late stage collections which is way more challenging and demanding than early and mid stage collections. I had no idea what was doing and couldn't keep up with the fast pace they expected. If the job paid 18-20 an hour I might have tried to stay but at 16 an hour, it was not worth the toll it was taking on me. 

Top Job Titles	Average Salary
Business development specialist 100 salaries reported	$52,025 per year
Sales specialist 10 salaries reported	$51,500 per year
Regional sales manager 10 salaries reported	$64,500 per year
Sales representative 1 salary reported	$48,000 per year
Outside sales representative 6 salaries reported	$48,000 per year

Working at American Credit Acceptance: Company Overview and Reviews

American Credit Acceptance

American Credit Acceptance Ratings

Popular jobs at American Credit Acceptance

Salary Satisfaction

Job Seeker Tools

Employer Tools

Browse

Stay Connected