Ravi Mohan Valiyaveettil - 24 Oct 2025 Form 4 Insider Report for CREDIT ACCEPTANCE CORP (CACC)

Role: Chief Technology Officer
Signature: /s/ Ravi Mohan Valiyaveettil
Issuer symbol: CACC
Transactions as of: 24 Oct 2025
Transactions value $: -$643,078
Form type: 4
Filing time: 28 Oct 2025, 16:01:34 UTC
Previous filing: 05 Dec 2024
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Valiyaveettil Ravi Mohan	Chief Technology Officer	25505 WEST TWELVE MILE RD, SOUTHFIELD	/s/ Ravi Mohan Valiyaveettil	28 Oct 2025	0001952271

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CACC	Common Stock	Tax liability	-$643K	-1.27K	-4.44%	$506.56	27.3K	24 Oct 2025	Direct	F1, F2

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	CACC	Employee Stock Option (right to buy)						16K	24 Oct 2025	Common Stock	16K	$424.12	Direct	F3

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Shares withheld to satisfy tax withholding obligations in conjunction with the vesting and settlement of restricted stock units to shares of common stock.
F2	Includes 23,458 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.
F3	The option vests in four equal annual installments beginning on October 24, 2023, which was the first anniversary of the date on which the option was granted.