UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~September~~October 2920, 2025

CREDIT ACCEPTANCE CORPORATION

(Exact name of registrant as specified in its charter)

Michigan

000-20202

38-1999511

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

25505 West Twelve Mile Road

Southfield,

Michigan

48034-8339

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (248) 353-2700


			Not Applicable
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, $.01 par value

CACC

The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 87.01. ~~Other~~Regulation ~~Events~~FD Disclosure.

~~On September 29, 2025, the Board of Directors (the “Board”) of~~ Credit Acceptance Corporation ~~(the~~is ~~“Company”)~~furnishing ~~authorized~~materials, ~~the~~included ~~repurchase~~as ofExhibit ~~up to two million shares of the Company’s common stock in addition to the Board’s prior authorizations~~99.1 ~~The additional shares may be repurchased from time~~ to ~~time~~this inreport ~~the~~and ~~open~~incorporated ~~market,~~herein ~~through~~by ~~privately negotiated transactions~~reference, ~~through~~which ~~block~~were ~~trades,~~prepared ~~pursuant~~for toinclusion ~~trading~~on ~~plans~~its ~~adopted~~investor inrelations ~~accordance with Rule 10b5-1 under the Securities Exchange Act of 1934 or otherwise~~website. ~~The~~This ~~authorization~~report ~~does~~should not ~~have~~be adeemed ~~specified~~an ~~expiration~~admission ~~date.~~as ~~Accordingly,~~to ~~unless~~the ~~terminated~~materiality ~~earlier by resolution~~ of ~~the~~any ~~Board,~~information ~~the~~contained ~~share~~in ~~repurchase~~such ~~program will expire when the Company has repurchased all shares authorized for repurchase thereunder~~materials.

AsThe ofinformation ~~September~~furnished 29pursuant to this Item 7.01, ~~2025~~including Exhibit 99.1, ~~there~~shall ~~were~~not ~~190~~be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934,~~018~~ ~~shares~~as ~~remaining~~amended (the “Exchange Act”), or otherwise subject to the liabilities of that section and shall not be deemed to be incorporated by reference into any filing of the Company under the ~~prior~~Securities ~~repurchase~~Act ~~authorization~~of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

Materials to be added to website on or about October 20, 2025.

104

Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CREDIT ACCEPTANCE CORPORATION
Date: September 30, 2025	By:	/s/ Jay D. Martin
Date: October 20, 2025	By:	/s/ Jay D. Martin
		Jay D. Martin
		Chief Financial Officer

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