Credit Acceptance · Rochester
Financing for
every credit.
Good credit, bad credit or no credit history yet. Prequalify online, then come pick your car.
How it works
- 01Fill out the formThe secure Credit Acceptance form takes a few minutes. It is linked to this lot, so it comes straight to us.
- 02We call you backWe go over what you qualify for and the cars on the row that fit the budget.
- 03Pick your car and driveCome to 997 W Broad St, test drive it, sign, and drive home.
Every credit situation
Good credit, bad credit, no credit history or a past bankruptcy. Apply and see.
Build your credit
Credit Acceptance reports your payments to the credit bureaus, so paying on time helps your score.
Your trade counts
The value of your current car can go straight toward the down payment.
Included on every car
3-Month / 3,000-Mile Powertrain Warranty
Whichever comes first, 3 months or 3,000 miles from the day you buy. Every car also goes through our 120-point inspection before it hits the row.
- Engine
- Cylinder heads, pistons, camshaft, timing chain, oil pump and internally lubricated parts.
- Transmission
- Case, torque converter, valve body, internal bands and shift solenoids.
- Drive axle, AWD and 4WD
- Differential housing, transfer case, CV joints and drive shafts.
- Repairs right here
- No out-of-town runaround. Bring it back to 997 W Broad St and we take care of it.
What we check first
- Brakes and tires
- Battery and charging
- Fluids and filters
- Frame and underbody
- Lights and electrical
- City and highway road test
Good to know
Can I get financed with bad credit or no credit?
Apply and see. Credit Acceptance works with buyers in every credit situation, including no credit history, past repossessions and bankruptcy. Your options depend on your income and the car you choose.
What do I need to bring?
A valid driver's license, recent proof of income, proof of address, insurance and your down payment. See the full checklist.
Can my trade-in count as a down payment?
Yes. Whatever we offer for your current car can go toward the down payment. Get a trade-in offer.
What isn't covered by the warranty?
Normal wear items like brakes, tires, wipers, batteries and fluids, plus damage from accidents or neglect. Ask us for the written terms before you buy.
Do prices include tax?
No. Prices on the site exclude NYS sales tax, title and registration.