RAC Acceptance is a consumer finance company that provides vehicle financing and related financial services, focusing on subprime and near-prime borrowers. The organization operates within a network of lending operations that assess credit applications, underwrite auto loans, and manage loan portfolios. Its core functions include originating loans, servicing accounts, and handling collections in accordance with applicable regulatory and industry standards. Historically, RAC Acceptance has positioned itself as a lender that collaborates with automotive dealers to facilitate financing for customers who may have limited or imperfect credit histories, emphasizing accessible credit in the auto market. The firm’s activities typically encompass credit evaluation, risk management, and compliance to maintain prudent lending practices while supporting dealer networks and customer outcomes. Operational scope for such entities generally spans regional markets, leveraging centralized processing and local field offices to support loan origination, underwriting, and servicing functions. The organization at this Fort Smith address contributes to this broader framework by providing localized lending services aligned with its overarching business model.
Address
7800 Rogers Ave, Fort Smith, AR 72903
Phone
(479) 47 89 693Better than 13% of providers in Fort Smith
Links and information about RAC Acceptance:
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RAC Acceptance is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
RAC Acceptance is listed as a financial service provider in Fort Smith, AR and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask RAC Acceptance to explain the terms in writing before you proceed.
To improve your chances of getting better terms from RAC Acceptance, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare RAC Acceptance with other providers in Fort Smith and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
RAC Acceptance has a rating of 1.0, which is better than 13% of providers in Fort Smith.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents RAC Acceptance requests. It is always best to call ahead using the phone number on this page so RAC Acceptance can confirm exactly which documents you need for your specific situation.
In addition to its primary service, RAC Acceptance also offers: Loan agency.