Peak Acceptance, LLC
About
Founded in 2008 and headquartered in Dallas, Texas, Peak Acceptance LLC (“Peak”) partners with auto dealers nationwide to deliver fair, flexible, and transparent auto finance solutions. The company purchases and manages retail installment contracts, nurtures long-term dealer relationships, and oversees servicing through trusted third-party partners.
Peak’s foundation traces back to the seasoned leadership team behind Summit Acceptance (est. 1993) — pioneers in the subprime auto finance space who reunited to launch a modern platform grounded in experience, ethics, and empathy. Since commencing operations in August 2009, Peak has earned a reputation for disciplined underwriting, investor transparency, and a customer-first approach to collections that prioritizes communication, dignity, and long-term resolution.
Mission
To build lasting value for our dealers, customers, and investors by combining responsible lending, rigorous underwriting, and compassionate collections. We believe every customer deserves respect and a fair opportunity to succeed — and that partnership, not pressure, leads to stronger portfolios and stronger communities.
Vision
To redefine non-prime auto finance through integrity, innovation, and inclusion. By leveraging advanced technology and data-driven insights, Peak aims to enhance decision-making, streamline operations, and deliver smarter, more empathetic customer experiences. Our goal is to set a new industry standard — one where technology amplifies human connection, mobility is accessible to all, and sustainable returns benefit every stakeholder.
