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ITEM 4 AND ITEM 5

REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

Board of Directors and Management of Credit Acceptance Corporation, Credit Acceptance Auto Loan Trust 2025-2, and Wells Fargo Securities, LLC:

We have performed the procedures enumerated below, on certain information with respect to attributes of Credit Acceptance Corporation’s (the “Company”) retail installment contracts (the “Consumer Loans”) as of September 30, 2025 (the “Subject Matter”) related to Credit Acceptance Auto Loan Trust 2025-2’s (the “Issuer”) issuance of certain classes of Notes (the “Securitization Transaction”). The Company’s management is responsible for the data file accurately representing the information included in the underlying asset documents and the disclosed assumptions and methodologies.

The Company has agreed to and acknowledged that the procedures performed are appropriate to meet the intended purpose of assisting specified parties in evaluating the Subject Matter. This report may not be suitable for any other purpose. Additionally, the Issuer and Wells Fargo Securities, LLC. (“Wells Fargo” and together with the Company and the Issuer, the “Specified Parties”) have agreed to and acknowledged that the procedures performed are appropriate for their purposes. The procedures performed may not address all the items of interest to a user of this report and may not meet the needs of all users of this report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes.

Consequently, we make no representation regarding the appropriateness of the procedures enumerated below either for the purpose for which this report has been requested or for any other purpose.

The procedures we performed on the Consumer Loans and our findings are as follows.

1.On October 7, 2025, the Company provided an electronic file (the “Data File”) with information for certain Consumer Loans included in the Securitization Transaction, which the Company represented was as of the close of business on September 30, 2025.

2.Grant Thornton selected one hundred Consumer Loans on a random basis from the Data File. The sample of Consumer Loans are listed in Exhibit A. For each of the selected Consumer Loans we compared the following information, designated by Wells Fargo, to the related retail installment contract provided by the Company, and compared the Vehicle Identification Number (“VIN”) on the Consumer Loan to the title document (actual title, title application, VINtek, or acceptable proof of lien, as applicable). For instances where consumers changed their address subsequent to the origination of their Consumer Loan, we compared the state to other Company records.

a.Consumer Loan number

b.Original amount financed

c.First payment date (scheduled)

d.Original term to maturity

e.Monthly payment

f.Interest rate

g.State

h.VIN

We defined the term “compare” as meaning we compared to the information shown in the Data File and found it to be in agreement. Such information was deemed to be in agreement if differences were attributable to rounding. The term “rounding” was defined as meaning amounts and percentages that were within $1 and 0.1%, respectively. We noted no exceptions.

We were engaged by the Company to perform this agreed-upon procedures engagement and conducted our engagement in accordance with attestation standards established by the American Institute of Certified Public Accountants. We were not engaged to and did not conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the Subject Matter. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

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Our agreed-upon procedures engagement was not conducted for the purpose of the following:

•Addressing the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria, or other requirements

•Addressing the value of collateral securing any such assets being securitized

•Addressing the compliance of the originator of the assets with federal, state, and local laws and regulations

•Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization

•Addressing any other factor or characteristic of the assets that would be material to the likelihood that the issuer of the asset-backed security will pay interest and principal in accordance with applicable terms and conditions

•Forming any conclusions

•Any other terms or requirements of the transaction that do not appear in this report.

We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our agreed-upon procedures engagement.

This report is intended solely for the information and use of the Specified Parties. It is not intended to be, and should not be, used by anyone other than these specified parties, including investors and rating agencies, who are not identified as specified parties but who may have access to this report as required by law or regulation.

/s/ GRANT THORNTON LLP

Southfield, Michigan

October 24, 2025

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Exhibit A

Sample			Loan Number			Sample			Loan Number			Sample			Loan Number
1			XXXXX6117			35			XXXXX0813			69			XXXXX9751
2			XXXXX2263			36			XXXXX4660			70			XXXXX3347
3			XXXXX8146			37			XXXXX6245			71			XXXXX6806
4			XXXXX8476			38			XXXXX6509			72			XXXXX8246
5			XXXXX8764			39			XXXXX5704			73			XXXXX9118
6			XXXXX1072			40			XXXXX7437			74			XXXXX0329
7			XXXXX8799			41			XXXXX5409			75			XXXXX6075
8			XXXXX7747			42			XXXXX4518			76			XXXXX8870
9			XXXXX8587			43			XXXXX0808			77			XXXXX1371
10			XXXXX3763			44			XXXXX0979			78			XXXXX0049
11			XXXXX5493			45			XXXXX7653			79			XXXXX7094
12			XXXXX0842			46			XXXXX5547			80			XXXXX7579
13			XXXXX9121			47			XXXXX7385			81			XXXXX6022
14			XXXXX2570			48			XXXXX9824			82			XXXXX6887
15			XXXXX0634			49			XXXXX7872			83			XXXXX2540
16			XXXXX3870			50			XXXXX1165			84			XXXXX8987
17			XXXXX4780			51			XXXXX2572			85			XXXXX6145
18			XXXXX7969			52			XXXXX3039			86			XXXXX5977
19			XXXXX8141			53			XXXXX4570			87			XXXXX8205
20			XXXXX5924			54			XXXXX3679			88			XXXXX9763
21			XXXXX9137			55			XXXXX4640			89			XXXXX1640
22			XXXXX9864			56			XXXXX0778			90			XXXXX1478
23			XXXXX4125			57			XXXXX6305			91			XXXXX8373
24			XXXXX9599			58			XXXXX1024			92			XXXXX5264
25			XXXXX2462			59			XXXXX8350			93			XXXXX4383
26			XXXXX7272			60			XXXXX2489			94			XXXXX4946
27			XXXXX8414			61			XXXXX3211			95			XXXXX1445
28			XXXXX5699			62			XXXXX8525			96			XXXXX0320
29			XXXXX9944			63			XXXXX5581			97			XXXXX6748
30			XXXXX4653			64			XXXXX6134			98			XXXXX7923
31			XXXXX9392			65			XXXXX3987			99			XXXXX1060
32			XXXXX0550			66			XXXXX2526			100			XXXXX7605
33			XXXXX1453			67			XXXXX6964
34			XXXXX7650			68			XXXXX9178