Document:

EX-4.(f)(113)

AMENDMENT NO. 4 TO SECOND AMENDED AND RESTATED

LOAN AND SECURITY AGREEMENT

AMENDMENT NO. 4 TO SECOND AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT, dated as of August
27, 2008 (this “Amendment”), is entered into in connection with that certain SECOND AMENDED AND
RESTATED LOAN AND SECURITY AGREEMENT, dated as of August 31, 2007 (as amended, supplemented,
restated or replaced from time to time, the “Loan Agreement”), by and among CAC WAREHOUSE FUNDING
CORPORATION II, a Nevada corporation, (the “Borrower”), CREDIT ACCEPTANCE CORPORATION, a Michigan
corporation, (“Credit Acceptance”) as the originator, the servicer or the custodian, WACHOVIA BANK,
NATIONAL ASSOCIATION, as an investor for the VFCC Purchaser Group (an “Investor”) and the other
Investors from time to time party thereto, VARIABLE FUNDING CAPITAL COMPANY, LLC, a Delaware
limited liability company (“VFCC”), a CP conduit or a lender, and the other CP conduits from time
to time party thereto, WACHOVIA CAPITAL MARKETS, LLC, a Delaware limited liability company (“WCM”),
as deal agent (the “Deal Agent”), WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking
association with its headquarters in Charlotte, North Carolina (“Wachovia”), as the liquidity agent
for the VFCC Purchaser Group (a “Liquidity Agent”) and the other Liquidity Agents from time to time
party thereto, SYSTEMS & SERVICES TECHNOLOGIES, INC., a Delaware corporation as the backup servicer
(the “Backup Servicer”) and WACHOVIA CAPITAL MARKETS, LLC, a Delaware corporation, as collateral
agent (the “Collateral Agent”).

Capitalized terms used and not defined in this Amendment shall have the meanings given to such
terms in the Loan Agreement.

PRELIMINARY STATEMENTS

WHEREAS, each of the signatories hereto is party to the Loan Agreement;

WHEREAS, each of the signatories hereto agrees that the facility under the Loan Agreement is
now, and immediately following the date hereof shall be, in the Revolving Period with regard to
each Purchaser Group; and

WHEREAS, the parties hereto desire to amend the Loan Agreement in certain respects as provided
herein;

NOW, THEREFORE, in consideration of the mutual covenants contained herein and in the Loan
Agreement, and other good and valuable consideration, the receipt and adequacy of which is hereby
expressly acknowledged, and intending to be legally bound hereby, the signatories hereto agree as
follows:

Section 1. Amendment.

(a) Section 1.1 of the Loan Agreement is hereby amended by deleting the following phrase as it
appears in the definition of “Commitment Termination Date”: “February 11, 2009” and replacing it
with the following phrase: “August 26, 2009”.

(b) In accordance with Section 14.2 of the Loan Agreement all notices and other communications
to the Borrower and/or Servicer shall be mailed, telexed, transmitted or delivered to the
following:

CAC Warehouse Funding Corporation II

Silver Triangle Building

25505 West Twelve Mile Road

Southfield, Michigan 48034-8339

Attention: Jeff Soutar

Facsimile No.: (877) 320-1576

Confirmation No.: (248) 353-2700 (ext 5646)

Section 2. Conditions to Effectiveness. This Amendment shall become effective on and
as of the date hereof, upon the receipt by the Deal Agent of an executed counterpart of this
Amendment from each party hereto.

Section 3. Severability of Provisions. Any provision of this Amendment which is
prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to
the extent of such prohibition or unenforceability without invalidating the remaining provisions
hereof or affecting the validity or enforceability of such provision in any other jurisdiction.

Section 4. Captions. The captions in this Amendment are for convenience of reference
only and shall not define or limit any of the terms or provisions hereof.

Section 5. Agreement to Remain in Full Force and Effect. Except as amended hereby,
the Loan Agreement shall remain in full force and effect and is hereby ratified, adopted and
confirmed in all respects. All references in the Loan Agreement to “herein,” or words of like
import, and all references to the Loan Agreement in any agreement or document shall hereafter be
deemed to refer to the Loan Agreement as amended hereby.

Section 6. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

Section 7. Execution in Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto on separate counterparts, each of which counterparts,
when so executed and delivered, shall be deemed to be an original and all of which counterparts,
taken together, shall constitute but one and the same Amendment.

Section 8. Representations and Warranties. The Borrower hereby certifies that (i) the
representations and warranties made by it in Section 4.1 of the Loan Agreement are true and correct
as of the date hereof, as though made on and as of the date hereof and (ii) as of the date hereof,
there is no Termination Event or Servicer Termination Event or event which, with the passage of
time of the giving of notice, could result in a Termination Event or a Servicer Termination Event.

Section 9. Waiver of Notice. Each of the parties hereto hereby waives any notice in
connection with the execution and delivery of this Amendment.

[Signature page follows]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of
the date and year first above written.

	 	 	 
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        .

	 	

CAC WAREHOUSE FUNDING

CORPORATION II, as Borrower

By:/s/ Douglas W. Busk
	
 
	 	 
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        .

        .

        .

        .

        .

        .

	 	Name: Douglas W. Busk

Title: Treasurer

CREDIT ACCEPTANCE CORPORATION

By:/s/ Douglas W. Busk
	
 
	 	 
	.

        .

        .

        .

	 	Name: Douglas W. Busk

Title: Treasurer

	.

        .

        .

        .

	 	WACHOVIA CAPITAL MARKETS, LLC,

as Deal Agent and Collateral Agent

By:/s/ Chad Kobos
	
 
	 	 
	.

        .

        .

        .

        .

        .

        .

        .

        .

	 	Name: Chad Kobos

Title: Director

WACHOVIA BANK, NATIONAL

ASSOCIATION,

as Liquidity Agent and Investor

By:/s/ Leah W. Miller
	
 
	 	 
	.

        .

        .

        .

        .

        .

        .

	 	Name: Leah W. Miller

Title: Managing Director

VARIABLE FUNDING CAPITAL

COMPANY LLC,

as a CP Conduit and a Lender

.

        . By: Wachovia Capital Markets, LLC, as attorney-in-fact

	 	 	 
	.

        .

	 	

By:/s/ Douglas R. Wilson, Sr.
	
 
	 	 
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        .

	 	Name: Douglas R. Wilson, Sr.

Title: Director

2EX-4.(f)(114)

SECOND AMENDMENT TO CERTIFICATE FUNDING AGREEMENT

(CREDIT ACCEPTANCE RESIDUAL FUNDING LLC)

THIS SECOND AMENDMENT TO THE CERTIFICATE FUNDING AGREEMENT, dated as of August 27, 2008 (this
“Amendment”), is entered into in connection with that certain Certificate Funding
Agreement, dated as of September 20, 2006 (as amended, supplemented, restated or replaced from time
to time, the “Certificate Funding Agreement”), by and among Credit Acceptance Residual
Funding LLC, as the Borrower, Credit Acceptance Corporation, as the Administrator, Wachovia Bank,
National Association, as an Investor and the other Investors from time to time party thereto,
Variable Funding Capital Company LLC, as a CP Conduit and a Lender and the other CP Conduits from
time to time party thereto, Wachovia Capital Markets, LLC, as the Deal Agent and the Collateral
Agent and Wachovia Bank, National Association, as the Liquidity Agent for the VFCC Purchaser Group.
Capitalized terms used and not otherwise defined herein shall have the meanings given to such
terms in the Certificate Funding Agreement.

R E C I T A L S

WHEREAS, the above-named parties have entered into the Certificate Funding Agreement, and,
pursuant to and, in accordance with Section 14.1 thereof, the parties hereto desire to amend and
waive the Agreement in certain respects as provided herein;

NOW, THEREFORE, based upon the above Recitals, the mutual premises and agreements contained
herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the undersigned, intending to be legally bound, hereby agree as follows:

SECTION 1. AMENDMENT.

The definition of “Commitment Termination Date” in Section 1.1 of the Certificate Funding
Agreement is hereby amended and restated in its entirety as follows:

“Commitment Termination Date: With respect to each Purchaser Group, August 26, 2009,
or with respect to each Purchaser Group, such later date to which the Commitment Termination Date
may be extended in the sole discretion of such Purchaser Group in accordance with the terms of
Section 2.1(b).”

SECTION 2. AGREEMENT IN FULL FORCE AND EFFECT AS AMENDED.

Except as specifically amended or waived hereby, all provisions of the Certificate Funding
Agreement shall remain in full force and effect. This Amendment shall not be deemed to expressly
or impliedly waive, amend or supplement any provision of the Certificate Funding Agreement other
than as expressly set forth herein, shall constitute a one-time waiver only and shall not
constitute a novation of the Certificate Funding Agreement.

SECTION 3. REPRESENTATIONS.

Each of the Borrower and Administrator represent and warrant as of the date of this Amendment
as follows:

(i) it is duly incorporated or organized, validly existing and in good standing under
the laws of its jurisdiction of incorporation or organization;

(ii) the execution, delivery and performance by it of this Amendment are within its
powers, have been duly authorized, and do not contravene (A) any of its organizational
documents, or (B) any Applicable Law;

(iii) no consent, license, permit, approval or authorization of, or registration,
filing or declaration with any governmental authority, is required in connection with the
execution, delivery, performance, validity or enforceability of this Amendment by or against
it;

(iv) this Amendment has been duly executed and delivered by it;

(v) this Amendment constitutes its legal, valid and binding obligation, enforceable
against it in accordance with its terms, except as enforceability may be limited by
applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the
enforcement of creditors’ rights generally or by general principles of equity;

	 	 	 
	(vi)it is not in default under the Certificate Funding Agreement; and

	(vii)there is no Termination Event or Unmatured Termination Event.

	SECTION 4.

	 	CONDITIONS TO EFFECTIVENESS.
	
 
	 	 

The effectiveness of this Amendment is conditioned upon (i) delivery of executed signature
pages by all parties hereto to the Deal Agent, (ii) the execution and delivery of the Second
Amended and Restated Fee Letter Agreement, dated as of the date hereof, by and between the Borrower
and the Deal Agent and acknowledged by the Administrator (the “Second Amended and Restated Fee
Letter Agreement”) and (iii) payment to the Deal Agent of the Renewal Fee in connection with
this Amendment as required by the Second Amended and Restated Fee Letter Agreement.

SECTION 5. MISCELLANEOUS.

(a) This Amendment may be executed in any number of counterparts (including by facsimile), and
by the different parties hereto on the same or separate counterparts, each of which shall be deemed
to be an original instrument but all of which together shall constitute one and the same agreement.

(b) The descriptive headings of the various sections of this Amendment are inserted for
convenience of reference only and shall not be deemed to affect the meaning or construction of any
of the provisions hereof.

(c) This Amendment may not be amended or otherwise modified except as provided in the
Certificate Funding Agreement.

(d) The failure or unenforceability of any provision hereof shall not affect the other
provisions of this Amendment.

(e) Whenever the context and construction so require, all words used in the singular number
herein shall be deemed to have been used in the plural, and vice versa, and the masculine gender
shall include the feminine and neuter and the neuter shall include the masculine and feminine.

(f) This Amendment represents the final agreement between the parties only with respect to the
subject matter expressly covered hereby and may not be contradicted by evidence of prior,
contemporaneous or subsequent oral agreements between the parties. There are no unwritten oral
agreements between the parties.

(g) THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS AMENDMENT SHALL BE
GOVERNED BY AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK
WITHOUT REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS.

[Remainder of Page Intentionally Left Blank]

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IN WITNESS WHEREOF, the parties have caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first above written.

	 	 	 
	THE BORROWER:

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	 	CREDIT ACCEPTANCE RESIDUAL

FUNDING LLC

By: /s/ Douglas W. Busk
	
 
	 	 
	.

	 	Name: Douglas W. Busk
	
 
	 	 
	.

	 	Title: Treasurer
	
 
	 	 
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        .

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THE ADMINISTRATOR:

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Credit Acceptance Residual Funding LLC

Silver Triangle Building

25505 West Twelve Mile Road

Southfield, Michigan 48034-8339

Attention: Jeff Soutar

Facsimile No. 877-320-1576

Confirmation No.: 248-353-2700 (ext. 5646)

CREDIT ACCEPTANCE CORPORATION

By: /s/ Douglas W. Busk
	
 
	 	 
	.

	 	Name: Douglas W. Busk
	
 
	 	 
	.

	 	Title: Treasurer
	
 
	 	 
	.

        .

        .

        .

        .

        .

        .

        .

        .

        .

        .

	 	

Credit Acceptance Residual Funding LLC

Silver Triangle Building

25505 West Twelve Mile Road

Southfield, Michigan 48034-8339

Attention: Jeff Soutar

Facsimile No. 877-320-1576

Confirmation No.: 248-353-2700 (ext. 5646)

2

	 	 	 
	THE INVESTOR

FOR THE VFCC

PURCHASER GROUP:

	 	WACHOVIA BANK, NATIONAL

ASSOCIATION

	.

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By: /s/ Leah W. Miller
	
 
	 	 
	.

	 	Name: Leah W. Miller
	
 
	 	 
	.

	 	Title: Managing Director
	
 
	 	 
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VFCC:

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Wachovia Bank, National Association

One Wachovia Center

301 South College St.

Charlotte, North Carolina 28288-0661

Attention: Kevin McConnell

Facsimile No.: (704) 383-8471

Confirmation No: (704) 383-7171

VARIABLE FUNDING CAPITAL

COMPANY LLC

By: Wachovia Capital Markets, LLC,

as attorney-in-fact

By: /s/ Douglas R. Wilson, Sr.
	
 
	 	 
	.

	 	Name: Douglas R. Wilson, Sr.
	
 
	 	 
	.

	 	Title: Director
	
 
	 	 
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Variable Funding Capital Company LLC

c/o Wachovia Capital Markets, LLC

One Wachovia Center

301 South College St.

Charlotte, North Carolina 28288-0610

Attention: Conduit Administration

Facsimile No.: (704) 383-9579

Confirmation No.: (704) 374-2520

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	THE DEAL AGENT:

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	 	WACHOVIA CAPITAL MARKETS, LLC

By: /s/ Chad Kobos
	
 
	 	 
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	 	Name: Chad Kobos
	
 
	 	 
	.

	 	Title: Director
	
 
	 	 
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        .

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THE LIQUIDITY AGENT

FOR THE VFCC

PURCHASER GROUP:

	 	

Wachovia Capital Markets, LLC

One Wachovia Center

Charlotte, North Carolina 28288-0610

Attention: Curt Sidden

Facsimile No.: (704) 383-9106

Telephone No.: (704) 715-6030

WACHOVIA BANK, NATIONAL

ASSOCIATION

	.

        .

        .

	 	

By: /s/ Leah W. Miller
	
 
	 	 
	.

	 	Name: Leah W. Miller
	
 
	 	 
	.

	 	Title: Managing Director
	
 
	 	 
	.

        .

        .

        .

        .

        .

        .

        .

        .

        .

        .

	 	

Wachovia Bank, National Association

One Wachovia Center

301 South College St.

Charlotte, North Carolina 28288-0661

Attention: Kevin McConnell

Facsimile No.: (704) 383-8471

Telephone No.: (704) 383-7171

4

	 	 	 
	THE COLLATERAL AGENT:

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	 	WACHOVIA CAPITAL MARKETS, LLC, as

Collateral Agent

By: /s/ Chad Kobos
	
 
	 	 
	.

	 	Name: Chad Kobos
	
 
	 	 
	.

	 	Title: Director
	
 
	 	 
	.

        .

        .

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        .

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        .

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        .

	 	

Wachovia Capital Markets, LLC

One Wachovia Center, TW-9

Charlotte, North Carolina 28288

Attention: Curt Sidden

Facsimile No.: (704) 383-9106

Telephone No.: (704) 715-6030

5

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