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): June 59, 2026

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 51.~~02.~~01 ~~Departure~~Entry ofInto ~~Directors~~a orMaterial ~~Certain~~Definitive ~~Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers~~Agreement.

On June 5, 2026, Jay D. Martin, Chief Financial Officer of Credit Acceptance Corporation (referred to as the “Company,” “Credit Acceptance,” “we,” “our” or “us”) and, as such, the Company’s principal financial officer and principal accounting officer, informed the Company that he has decided to retire as an officer and employee of the Company effective July 27, 2026. The ~~Company~~information ~~expects~~set ~~that~~forth ~~Mr.~~below ~~Martin~~under ~~will~~Item ~~serve in a consulting capacity as an employee advisor to the Company following his retirement date until August 31, 2026~~2.03 Asis ~~such,~~hereby ~~Mr.~~incorporated ~~Martin~~by ~~will~~reference ~~continue~~into tothis ~~receive~~Item ~~compensation consistent with his current rate of annual compensation through August 31, 2026~~1. 01.

OnItem ~~June~~2.03 8,Creation ~~2026, the board~~ of ~~directors~~a ofDirect ~~the Company (the “Board”) elected and appointed Joseph Billante to succeed Mr. Martin as the Company’s Chief~~ Financial ~~Officer~~Obligation ~~effective~~or ~~July~~an ~~27,~~Obligation ~~2026.~~under Inan ~~his~~Off-Balance ~~capacity~~Sheet asArrangement ~~Chief~~of ~~Financial~~a ~~Officer, Mr~~Registrant. ~~Billante will be the Company’s principal financial officer and principal accounting officer.~~

~~Mr.~~On ~~Billante~~June 9, ~~age 50~~2026, ~~served~~Credit asAcceptance ~~Chief~~Corporation ~~Financial~~(the ~~Officer~~“Company”, of“Credit ~~Barracuda Networks~~Acceptance”, ~~Inc.~~“we”, ~~a cybersecurity and data protection company~~“our”, ~~where~~or he“us”) ~~led~~entered ~~global~~into ~~finance~~the ~~operations,~~Fifteenth ~~and~~Amendment ~~before~~to ~~that~~the ~~held~~Sixth ~~various~~Amended ~~senior finance~~ and ~~business~~Restated ~~leadership~~Credit ~~positions at eBay Inc.~~Agreement, adated ~~global e-commerce company, including serving~~ as ~~Chief Financial Officer for eBay’s European and Greater China businesses and as Vice President~~ of ~~Investor~~June ~~Relations~~9, ~~and Communications~~2026, ~~and~~among ~~earlier~~the ~~in his career held finance leadership roles at General Electric~~ Company, ~~including~~Fifth ~~serving~~Third asBank, ~~Chief~~N.A., ~~Financial~~successor ~~Officer~~by ofmerger ato ~~global~~Comerica ~~division~~Bank ofand GEthe ~~Healthcare,~~other abanks ~~healthcare~~signatory ~~technology~~thereto ~~and services business~~ (collectively, ~~reflecting~~the ~~more~~“Banks”) ~~than~~and 25Fifth ~~years~~Third ofBank, ~~executive~~N.A., ~~leadership~~successor ~~and~~by ~~finance~~merger ~~experience).~~to ~~The~~Comerica ~~Board~~Bank, ~~has~~as ~~approved~~administrative ~~the~~agent ~~following compensation~~ for ~~Mr. Billante as~~ the ~~Company’s~~Banks. ~~Chief~~The ~~Financial~~amendment ~~Officer:~~extends anthe ~~annual~~date ~~base~~on ~~salary~~which ofthe ~~$750,000,~~revolving asecured ~~one-time~~line ~~cash signing bonus~~ of ~~$300,000,~~credit ~~and~~facility awill ~~one-time~~cease ~~grant~~to ofrevolve ~~26,223~~from ~~Restricted~~June ~~Stock Units (comprising 19~~22,~~667~~ ~~Base~~2028 ~~Restricted~~to ~~Stock~~June ~~Units and 6~~22,~~556~~ ~~Retirement~~2029. ~~Restricted~~The ~~Stock~~interest ~~Units~~rate ~~(as~~on ~~such~~borrowings ~~terms~~under ~~are defined in~~ the ~~award~~facility ~~agreement)~~was ~~that~~decreased ~~will~~from ~~vest~~the ~~over~~Secured aOvernight ~~period~~Financing ofRate 10(“SOFR”) ~~years~~plus on197.5 ~~each~~basis ofpoints ~~the ten anniversaries of the grant date, subject~~ to ~~continuous~~SOFR ~~employment~~plus ~~through~~175.0 ~~the~~basis ~~relevant vesting date~~points. ~~The~~There ~~grant~~were ~~will~~no beother ~~made~~material ~~effective~~changes ~~July 27, 2026, pursuant~~ to the ~~Credit~~terms ~~Acceptance~~of ~~Corporation~~the ~~Amended and Restated Incentive Compensation Plan, as amended~~facility.

~~Item~~As 7of June 9, 2026, we had $270.015 ~~Regulation~~million FDoutstanding ~~Disclosure~~under the facility. The terms and conditions of this transaction are set forth in the agreement attached hereto as Exhibit 4.147 to this Form 8-K and incorporated herein by reference.

On June 10, 2026, the Company issued a press release relating to Mr. Billante’s election and appointment to succeed Mr. Martin as our Chief Financial Officer. A copy of the press release is furnished pursuant to Item 78.01 ofOther ~~Form 8‑K as Exhibit 99~~Events.~~1 to this report.~~

~~The~~On ~~information~~June ~~furnished in this report pursuant to Item 7.01 of Form 8-K~~9, ~~including Exhibit 99.1 to this report~~2026, ~~shall~~we ~~not~~issued bea ~~deemed~~press ~~“filed”~~release ~~for~~regarding ~~purposes~~this oftransaction. ~~Section~~The 18press ofrelease ~~the~~is ~~Securities~~attached ~~Exchange Act of 1934,~~ as ~~amended~~Exhibit ~~(the~~99.1 ~~“Exchange Act”), or otherwise subject~~ to ~~the~~this ~~liabilities~~Form of8-K ~~that section~~ and ~~shall not be deemed to be~~ incorporated byherein ~~reference into any filing of the Company under the Securities Act 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

~~Description~~

99.1

Press release dated June 10, 2026.

4.147

Fifteenth Amendment to the Sixth Amended and Restated Credit Agreement dated as of June 9, 2026 among the Company, Fifth Third Bank, N.A., successor by merger to Comerica Bank and the other banks signatory thereto, and Fifth Third Bank, N.A., successor by merger to Comerica Bank, as administrative agent for the banks.

104

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

99.1

Press release dated June 9, 2026.

104

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

Forward-Looking Statements

We claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 for all of our forward-looking statements. Statements in this report that are not historical facts, such as those using terms like “may,” “will,” “should,” “believe,” “expect,” “anticipate,” “assume,” “forecast,” “estimate,” “intend,” “plan,” “target,” or similar expressions, and those regarding our future results, plans, and objectives, are “forward-looking statements” within the meaning of the federal securities laws. These forward-looking statements represent our outlook only as of the date of this report. Actual results could differ materially from these forward-looking statements since the statements are based on our current expectations, which are subject to risks and uncertainties. Factors that might cause such a difference include, but are not limited to, the factors set forth in Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the Securities and Exchange Commission (the “SEC”) on February 13, 2026, and other risk factors discussed or listed from time to time in our reports filed with the SEC. We do not undertake, and expressly disclaim any obligation, to update or alter our statements, whether as a result of new information or future events or otherwise, except as required by applicable law.

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: June 10, 2026	By:	/s/ Erin J. Kerber
Date: June 15, 2026	By:	/s/ Jay D. Martin
		Erin J. Kerber
		Jay D. Martin
		Chief Legal Officer, Chief Compliance Officer and Secretary
		Chief Financial Officer

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