Vantaggi
If you have children you need to feed in a depressed metro Detroit or Las Vegas economy, Credit Acceptance is an option because it's a financially stable company.
Svantaggi
Constant downward pressure to reduce headcount. Not much understanding of the fact you need people to do the actual work. Management consistently uses performance management to reduce headcount to take the easy way to getting lean. Going from an above average review rating (4-3.5) to an out the door rating (2.5-2) in one quarter is a fairly typical tactic. Despite all this they are very process heavy and could write the book on micromanagement. Pro's from when I started two years ago such as benefits and training have been scaled down, other things such as the annual Christmas Party have been eliminated despite record profits.