CREDIT ACCEPTANCE CORP — Director's Dealing 2025

Nov 17, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CREDIT ACCEPTANCE CORP (CACC)
CIK: 0000885550
Period of Report: 2025-11-13

Reporting Person: Hegde Vinayak (Director, Chief Executive Officer)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-11-13	Common Stock	A	140000	—	Acquired	140502	Direct

Holdings (Derivative)

Security	Exercise Price	Expiration	Underlying	Shares	Ownership
Employee Stock Option (right to buy)	$394.79	2031-05-03	Common Stock (10000)	10000	Direct

Footnotes

F1: Represents shares underlying restricted stock units granted to the reporting person under the Company's Incentive Compensation Plan and subject to time-based vesting over a ten year period as part of a long-term compensation plan for the reporting person, of which 30,000 shares represent long-term retirement restricted stock units. The payment date with respect to all of the vested retirement restricted stock units as of the date the reporting person incurs a separation from service (the "Termination Date") shall be the fifth anniversary of the Termination Date, or, if the reporting person has attained the age of 60 or older on the Termination Date, the second anniversary of the Termination Date.

F2: Includes 140,471 unvested restricted stock units that were granted under the Company's Incentive Compensation Plan. Each restricted stock unit represents and has a value equal to one share of
common stock of Credit Acceptance Corporation.