Sec Form 4 Filing - Booth Kenneth @ CREDIT ACCEPTANCE CORP - 2025-01-14

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person Booth Kenneth 2. Issuer Name and Ticker or Trading Symbol CREDIT ACCEPTANCE CORP [ CACC] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) X __ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) Chief Executive Officer (Last) (First) (Middle) 25505 WEST TWELVE MILE ROAD 3. Date of Earliest Transaction (MM/DD/YY) 01/14/2025 (Street) SOUTHFIELD, MI48034 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 01/14/2025 A 57,104 ( 1 ) A $ 0 68,116 ( 2 ) D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Employee Stock Option (right to buy) $ 390.39 ( 3 ) 04/28/2031 Common Stock 110,000 110,000 D Employee Stock Option (right to buy) $ 333.94 ( 4 ) 12/30/2026 Common Stock 50,000 50,000 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Booth Kenneth 25505 WEST TWELVE MILE ROAD SOUTHFIELD, MI48034 X Chief Executive Officer Signatures /s/ Kenneth S. Booth 01/16/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )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 four year period as part of a long-term compensation plan for the reporting person, of which 43,420 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. ( 2 )Includes 57,104 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 ofcommon stock of Credit Acceptance Corporation. ( 3 )The option, initially representing a right to purchase 110,000 shares, is exercisable in four equal annual installments beginning on April 28, 2022, which was the first anniversary of the date on which the option was granted. ( 4 )The option, initially representing a right to purchase 50,000 shares, is exercisable in four equal annual installments beginning on December 30, 2021, which was the first anniversary of the date on which the option was granted

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

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