EXHIBIT 21

CREDIT ACCEPTANCE CORPORATION

SCHEDULE OF CREDIT ACCEPTANCE CORPORATION SUBSIDIARIES

As of December 31, 2022

The following is a list of subsidiaries as of the date of this filing of Credit Acceptance Corporation, other than subsidiaries which, considered in the aggregate as a single subsidiary, would not constitute a significant subsidiary, as defined by the Securities and Exchange Commission Regulation S-X.

Buyers Vehicle Protection Plan, Inc

CAC International Holdings, LLC

CAC of Canada Company

CAC Reinsurance, Ltd.

CAC Scotland

CAC Warehouse Funding LLC II

CAC Warehouse Funding LLC IV

CAC Warehouse Funding LLC V

CAC Warehouse Funding LLC VI

CAC Warehouse Funding LLC VIII

Credit Acceptance Auto Loan Trust 2019-3

Credit Acceptance Auto Loan Trust 2020-1

Credit Acceptance Auto Loan Trust 2020-2

Credit Acceptance Auto Loan Trust 2020-3

Credit Acceptance Auto Loan Trust 2021-2

Credit Acceptance Auto Loan Trust 2021-3

Credit Acceptance Auto Loan Trust 2021-4

Credit Acceptance Auto Loan Trust 2022-1

Credit Acceptance Auto Loan Trust 2022-3

Credit Acceptance Auto Loan Trust 2023-1

Credit Acceptance Corporation of South Dakota, Inc.

Credit Acceptance Funding LLC 2018-1

Credit Acceptance Funding LLC 2018-2

Credit Acceptance Funding LLC 2018-3

Credit Acceptance Funding LLC 2019-1

Credit Acceptance Funding LLC 2019-2

Credit Acceptance Funding LLC 2019-3

Credit Acceptance Funding LLC 2020-1

Credit Acceptance Funding LLC 2020-2

Credit Acceptance Funding LLC 2020-3

Credit Acceptance Funding LLC 2021-1

Credit Acceptance Funding LLC 2021-2

Credit Acceptance Funding LLC 2021-3

Credit Acceptance Funding LLC 2021-4

Credit Acceptance Funding LLC 2022-1

Credit Acceptance Funding LLC 2022-2

Credit Acceptance Funding LLC 2022-3

Credit Acceptance Funding LLC 2023-1

Chapter 4 Properties, LLC

Vehicle Remarketing Services, Inc.

VSC Re Company