Terms of Use
Last updated: October 30, 2026
These Terms of Use govern your use of the Auto Credit USA websites and related online services. By accessing or using this website, you agree to the terms, conditions, and notices outlined below.
Agreement Between User and Auto Credit USA
This website consists of web pages operated by Auto Credit USA in connection with its dealership business. References to Glenbrook Credit Acceptance Corp. concern the associated finance company and its applicable financing or account services. Auto Credit USA and Glenbrook Credit Acceptance Corp. are referred to individually by name and, where the context applies to both, as "we," "us," or "our."
The website is offered to you conditioned upon your acceptance of these Terms of Use. Your use of this website constitutes your agreement to these terms, conditions, and notices. If you do not agree, you should discontinue using the website. You should print or save a copy of these Terms of Use for your records.
These Terms of Use concern website access and use. They do not create a financing agreement, combine the obligations of separate companies, or replace any signed vehicle purchase agreement, retail installment contract, financing agreement, or other account agreement. The applicable signed agreement governs the transaction or account to which it relates.
Modification of Terms
We may modify, update, or revise these Terms of Use by posting a revised version on this website and updating the date above. Changes apply prospectively from the date posted, unless a later effective date is stated. Your continued use of the website after the changes take effect constitutes acceptance of the revised terms, to the extent permitted by applicable law. Changes to these website terms do not amend a signed transaction or account agreement.
Vehicle Information and Financing Requests
Vehicle inventory, availability, descriptions, photographs, pricing, and financing information may change. Although we work to provide accurate information, website content may contain errors or omissions. Please contact Auto Credit USA to confirm current vehicle details, availability, pricing, and applicable purchase terms before making a purchase decision. Nothing in these Terms of Use excuses compliance with applicable advertising, pricing, disclosure, or consumer protection requirements.
Submitting an inquiry, pre-qualification request, or credit application does not guarantee financing approval, a particular interest rate, a specific down payment, or the availability or reservation of a vehicle. Financing is subject to review, verification, applicable eligibility requirements, required disclosures, and final agreements. Any financing or account services provided by Glenbrook Credit Acceptance Corp. are subject to the applicable transaction and account documents.
Using this website alone does not authorize us to obtain your consumer credit report. Any credit report request must have a permissible purpose and any authorization required by applicable law and the relevant application process.
Links to Third-Party Websites
This website may contain links to external or third-party websites ("Linked Sites"). Linked Sites are not under our control, and we are not responsible for their content, updates, availability, or transmissions.
The inclusion of a link does not, by itself, imply our endorsement of the Linked Site or an association with its operator. These links are provided as a convenience. Your use of a Linked Site is subject to its own terms and privacy practices.
No Unlawful or Prohibited Use
As a condition of your use of this website, you agree not to use it for an unlawful purpose or a purpose prohibited by these Terms of Use.
You may not use the website in a manner that could damage, disable, overburden, impair, or interfere with the website or another user's use and enjoyment of it. You may not attempt to gain unauthorized access to systems, accounts, materials, or information, or introduce malicious software. You may not obtain or attempt to obtain information through means not intentionally made available through the website.
Information you submit through the website must be accurate to the best of your knowledge. You may not impersonate another person or submit an application or account request without authority to do so.
Liability Disclaimer
Information, software, products, services, and related graphics included in or available through this website may contain inaccuracies or typographical errors. We may correct information and make improvements or changes to the website at any time, subject to applicable law.
General information provided through the website is not individualized legal, tax, or financial advice. You should consult an appropriate professional for advice specific to your situation.
To the maximum extent permitted by applicable law, the website and its general informational content are provided "as is" and "as available," without warranties or conditions of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the website will operate without interruption or error, that defects will be corrected immediately, or that the website will always be available.
To the maximum extent permitted by applicable law, Auto Credit USA, Glenbrook Credit Acceptance Corp., and their respective officers, directors, employees, agents, contractors, and suppliers will not be liable for indirect, incidental, punitive, special, or consequential damages arising from your use of, or inability to use, this website.
These website disclaimers and limitations do not alter vehicle warranties, required vehicle disclosures, signed purchase or financing agreements, or rights and remedies that cannot lawfully be waived or limited. They do not exclude liability for fraud, willful misconduct, or any other liability that applicable law does not permit us to exclude. Where a limitation is not permitted, it applies only to the extent allowed by law.
If you are dissatisfied with the website or these Terms of Use, you may discontinue using the website. Doing so does not affect your rights or obligations under a separate transaction or account agreement or applicable law.
Termination and Access Restriction
We may suspend, terminate, or restrict access to the website or related online services for violations of these Terms of Use, security concerns, maintenance, or other lawful business reasons, subject to applicable law and any notice requirements. Restricting website access does not cancel a financing agreement, change payment obligations, or eliminate rights under applicable account agreements or law.
Communications and Consent
When you provide contact information in connection with an inquiry, application, financing request, or account, Auto Credit USA or Glenbrook Credit Acceptance Corp., as applicable, may contact you about that request or account to the extent permitted by applicable law and any consent you have provided. Authorized service providers may assist with those communications.
Communications may include phone calls, emails, text messages, or other electronic communications, as permitted by law. Marketing calls or texts using regulated automated technology, prerecorded voice, or artificial voice will be made only when any legally required consent has been obtained. Merely visiting or using this website does not provide that consent. Any required consent will be requested separately through the applicable form or process, and consent to automated marketing communications is not a condition of purchasing a vehicle or obtaining financing.
Message and data rates from your wireless provider may apply. Message frequency may vary. You may opt out of marketing text messages by replying STOP or using another available opt-out method. You may unsubscribe from marketing emails using the instructions in the email. You may also contact us to request that marketing communications stop or to revoke consent where applicable. Requests will be honored as required by applicable law.
Opting out of marketing does not eliminate communications that may lawfully be sent without that marketing consent. Electronic delivery of legally required account disclosures or notices may require a separate agreement or consent; these Terms of Use do not replace that process.
Privacy
Please review our Privacy Notice for information about how Auto Credit USA and Glenbrook Credit Acceptance Corp. collect, use, protect, and share personal information and how you may limit certain sharing. These Terms of Use do not reduce the privacy choices or rights described in that notice or provided by applicable law.
General Legal Terms
These Terms of Use are governed by the laws of the State of Indiana and applicable federal law. This choice of law does not deprive you of mandatory consumer protections that apply under the law of your state of residence or other applicable law.
Subject to applicable law and any controlling signed agreement, disputes arising out of or relating to the use of this website may be brought in the state courts located in Indiana or the federal courts serving Indiana, in each case where jurisdiction and venue are proper. This provision does not require a claim to be filed in a court that lacks jurisdiction or override a nonwaivable right to bring a claim in another proper forum.
No joint venture, partnership, employment relationship, or agency relationship exists between you and Auto Credit USA or Glenbrook Credit Acceptance Corp. as a result of these Terms of Use or your use of the website.
If any portion of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law. A failure to enforce a provision on one occasion does not waive the right to enforce it later.
These Terms of Use constitute the agreement concerning your use of this website and supersede prior communications or agreements concerning that subject, except for separate agreements expressly applicable to a particular service. They do not supersede signed vehicle purchase, financing, servicing, or other account agreements.
These Terms of Use are written in English. Any translation is provided for convenience, subject to applicable law and any legally required translated documents or disclosures.
Questions About These Terms
If you have questions about these Terms of Use, please contact Auto Credit USA at 260-481-1998. For questions about a financing agreement or account handled by Glenbrook Credit Acceptance Corp., use the contact information provided in your account documents or ask Auto Credit USA to direct your inquiry.
