Credit Acceptance Corporation

Item 1.01 Entry into a Material Definitive Agreement. The information set forth below under Item 2.03 is hereby incorporated by reference into this Item 1.01.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. On September 15, 2026, Credit Acceptance Corporation (the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) and Credit Acceptance Funding LLC 2019-2 entered into Amendment No. 4 to the Loan and Security Agreement and Amendment No. 1 to Sale and Contribution Agreement (the “Amendment”) with Wells Fargo Bank, National Association, extending the $500.0 million asset-backed non-recourse secured financing that we entered into on August 28, 2019 and to which we refer as Term ABS 2019-2. Under the Amendment, the date on which Term ABS 2019-2 will cease to revolve has been extended from September 15, 2026 to September 15, 2028. The Amendment also increased the interest rate applicable to Term ABS 2019-2 from 5.43% to 5.83%. There were no other material changes to the terms of Term ABS 2019-2 in connection with the Amendment. The above description of the Amendment does not purport to be complete and is qualified in its entirety by the Amendment, a copy of which is attached as Exhibit 4.154 to this Form 8-K and incorporated herein by reference. On September 15, 2026, Credit Acceptance and CAC Warehouse Funding LLC II entered into Amendment No. 4 to the Seventh Amended and Restated Loan and Security Agreement and Amendment No. 1 to the Fifth Amended and Restated Sale and Contribution Agreement (“Amendment No. 4”) with Wells Fargo Bank, National Association and Computershare Trust Company, N.A., amending the Seventh Amended and Restated Loan and Security Agreement dated as of April 30, 2021, as previously amended (the “Loan and Security Agreement”). Amendment No. 4 extended the scheduled amortization date of the facility under the Loan and Security Agreement (“Warehouse Facility II”) from September 20, 2027 to September 15, 2028. In addition, the interest rate on borrowings under Warehouse Facility II has decreased from the Secured Overnight Financing Rate (“SOFR”) plus 185 basis points to SOFR plus 175 basis points. There were no other material changes to the terms of Warehouse Facility II in connection with Amendment No. 4. As of September 15, 2026, we had $180.0 million outstanding under Warehouse Facility II. The above description of Amendment No. 4 does not purport to be complete and is qualified in its entirety by Amendment No. 4, a copy of which is attached as Exhibit 4.155 to this Form 8-K and incorporated herein by reference. Wells Fargo Bank, National Association and/or its affiliates have from time to time performed and may in the future perform various financial advisory, commercial banking, investment banking, and other services for us and our affiliates in the ordinary course of business, for which they have received or will receive customary compensation. Wells Fargo Bank, National Association and/or its affiliates have served and may in the future serve as lenders, agents, or initial purchasers, or in other capacities under certain of our revolving secured warehouse facilities other than Warehouse Facility II (in addition to Warehouse Facility II) and are parties to certain of our asset-backed financing transactions other than Term ABS 2019‑2 (in addition to Term ABS 2019-2). Computershare Trust Company, N.A. and/or its affiliates act as collateral agent, backup servicer, or indenture trustee, or in other trustee capacities under certain of our revolving secured warehouse facilities (in addition to Warehouse Facility II) and asset‑backed financing transactions, and Computershare Trust Company, N.A. is the transfer agent for the Company’s common stock.

Item 8.01 Other Events. On September 15, 2026, we issued a press release regarding the Amendment and Amendment No. 4. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.