CREDIT ACCEPTANCE CORP — Director's Dealing 2026

Feb 3, 2026

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CREDIT ACCEPTANCE CORP (CACC)
CIK: 0000885550
Period of Report: 2026-01-30

Reporting Person: ULATOWSKI DANIEL A. (Chief Sales Officer)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2026-01-30	Common Stock	M	589	$333.94	Acquired	28879	Direct
2026-01-30	Common Stock	S	589	$500.12	Disposed	28290	Direct
2026-01-31	Common Stock	F	951.6	$498.24	Disposed	27338.4	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2026-01-30	Employee Stock Option (right to buy)	$333.94	M	589	Disposed	2026-12-30	Common Stock (589)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	4000	Indirect

Footnotes

F1: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $500.00 to $500.19, 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.

F2: Shares withheld to satisfy tax withholding obligations in conjunction with the vesting and settlement of restricted stock units to shares of common stock.

F3: These shares are owned of record by Daniel A. Ulatowski and Barbara Ulatowski, spouse of Mr. Ulatowski, as trustees of the D.&.B. Ulatowski Living Trust.