Glenda J. Flanagan - 24 Dec 2025 Form 4 Insider Report for CREDIT ACCEPTANCE CORP (CACC)

Role: Director
Signature: /s/ Glenda J. Flanagan
Issuer symbol: CACC
Transactions as of: 24 Dec 2025
Net transactions value: $0
Form type: 4
Filing time: 29 Dec 2025, 16:01:57 UTC
Previous filing: 13 Jun 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Flanagan Glenda J	Director	25505 WEST TWELVE MILE ROAD, SOUTHFIELD	/s/ Glenda J. Flanagan	29 Dec 2025	0001201245

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CACC	Common Stock	Gift	$0	-1,894	-100%	$0.000000	0	24 Dec 2025	By grantor retained annuity trust	F1
holding	CACC	Common Stock						9,666	24 Dec 2025	Direct	F2
holding	CACC	Common Stock						8,000	24 Dec 2025	By limited partnership	F3

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

Explanation of Responses:

Id	Content
F1	Shares are owned by The Glenda J. Flanagan 2020 Grantor Retained Annuity Trust (the "2020 GRAT"). Ms. Flanagan disclaims beneficial ownership of these shares except to the extent of her pecuniary interest therein.
F2	Includes (i) 1,500 vested restricted stock units and 736 unvested restricted stock units that were granted under the Company's Incentive Compensation Plan, and (ii) 888 shares transferred from the 2020 GRAT to Ms. Flanagan on December 11, 2025 as an annuity payment, which transfer is exempt from Section 16 pursuant to Rule 16a-13 under the Securities Exchange Act of 1934.
F3	Shares are owned by GCM GP, LP. Ms. Flanagan disclaims beneficial ownership of these shares except to the extent of her pecuniary interest therein.