SEC Form 4 · accession 0000885550-26-000159

CREDIT ACCEPTANCE CORP · CACC

Statement of changes in beneficial ownership, as filed. Original on EDGAR ↗

Reporting owner

Nicholas J Elliott

Officer — Chief Transformation Officer

Period of report

Jun 24, 2026

Accepted (ET)

Jun 26, 2026 · 4:03 pm EDT

Rule 10b5-1 plan

yes — trade under a plan

Issuer CIK

0000885550

Table I — non-derivative securities

Security	Date	Code	Shares	Price	A/D	Owned after	D/I	Nature of ownership
Common Stock	Jun 24, 2026	M	3,487	$333.94	A	24,384	D
Common Stock^F1	Jun 24, 2026	S	1,696	$600.29	D	22,688	D
Common Stock^F2	Jun 24, 2026	S	1,261	$601.25	D	21,427	D
Common Stock^F3	Jun 24, 2026	S	355	$602.43	D	21,072	D
Common Stock^F4	Jun 24, 2026	S	175	$603.45	D	20,897	D
Common Stock	Jun 25, 2026	M	1,183	$333.94	A	22,080	D
Common Stock^F5	Jun 25, 2026	S	547	$625.39	D	21,533	D
Common Stock^F6	Jun 25, 2026	S	132	$626.00	D	21,401	D
Common Stock^F7	Jun 25, 2026	S	24	$627.80	D	21,377	D
Common Stock^F8	Jun 25, 2026	S	240	$628.25	D	21,137	D
Common Stock^F9	Jun 25, 2026	S	240	$629.95	D	20,897	D
Common Stock^F10	holding	—	—		—	325	I	By 401(k) Trust

Table II — derivative securities

Security	Conv. / exercise price	Date	Code	Shares	A/D	Exercisable	Expires	Underlying	Underlying shares	Owned after	D/I
Employee Stock Option (right to buy)	$333.94	Jun 24, 2026	M	3,487	D	Dec 30, 2024	Dec 30, 2026	Common Stock	3,487	3,489	D
Employee Stock Option (right to buy)	$333.94	Jun 25, 2026	M	1,183	D	Dec 30, 2024	Dec 30, 2026	Common Stock	1,183	2,306	D

Explanation of responses

F1The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $600.00 to $600.88, inclusive. The reporting person undertakes to provide to Credit Acceptance Corporation, any security holder of Credit Acceptance Corporation, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in the footnotes to this Form 4.
F10Held in the Credit Acceptance Stock Fund of the Credit Acceptance Corporation 401(k) Profit Sharing Plan and Trust as of June 24, 2026, according to the Plan trustee.
F2The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $601.04 to $601.73, inclusive.
F3The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $602.14 to $602.98, inclusive.
F4The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $603.40 to $603.51, inclusive.
F5The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $625.00 to $625.95, inclusive.
F6The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $626.00 to $626.01, inclusive.
F7The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $627.74 to $627.92, inclusive.
F8The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $628.01 to $628.50, inclusive.
F9The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $629.95 to $629.96, inclusive.