American Credit Acceptance (ACA) is a subprime auto finance company that provides financing solutions for independent and franchise dealerships across the United States. The company was founded in 2007 and is headquartered in Spartanburg, South Carolina. ACA offers a range of financing options for customers with less-than-perfect credit, including installment loans and lease-to-own programs. The company has over 1,000 employees and has funded over $5 billion in loans since its inception.