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Last Updated: 04/18/2025

Flagship Credit Acceptance

in Auto Loans from Flagship Credit Acceptance LLC

Last Updated: 04/18/2025

Flagship Credit Acceptance logo
Strongly not recommended13 total votes
2 users recommend
11 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Amount Range

$7,500 - $45,000

APR (Fixed APR)

Up to 36%(Verified 06/21/2024)

Credit Score Range

525 - 850

Loan Term (Months)

Up to 78

Number of Reviews

13

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Flagship Credit Acceptance Review

Flagship Credit Acceptance is offered by Flagship Credit Acceptance LLC, a direct lender founded in 2006 and based in Chadds Ford, PA. Flagship are available in 48 states and Washington, DC.

Flagship FAQ

How much can you borrow via Flagship?

Flagship loan amounts start at $7,500 and go up to $45,000.

What APR does Flagship offer on its car loans?

Flagship offers a fixed apr car loan product up to 36% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Flagship?

Flagship has car loans with a maximum term of 78 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Flagship charge an origination fee?

Yes, Flagship may charge a loan origination fee .

Does Flagship charge a late fee?

Yes, Flagship charges borrowers with a late payment penalty fee

Does Flagship charge prepayment fees?

Yes, Flagship does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Flagship loan?

Yes, you can. However, Flagship charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Flagship Credit Acceptance?

Applicants with a credit score of at least 525 and up to 850 may be eligible for Flagship Credit Acceptance.
Flagship Credit Acceptance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Flagship Credit Acceptance. An uncommon feature is for lenders to offer their services to non-residents. Flagship Credit Acceptance LLC is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Flagship Credit Acceptance will consider you for their services.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity

Does Flagship Credit Acceptance report your account activity to credit bureaus?

Yes, Flagship Credit Acceptance reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Flagship Credit Acceptance LLC perform a hard credit pull?

Yes, Flagship performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is Flagship Credit Acceptance LLC a legit company?

Flagship Credit Acceptance LLC was founded in 2006, it is a well-established company that has been in business for 20 years. Flagship Credit Acceptance is strongly not recommended by SuperMoney community users.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Flagship Credit Acceptance logo

Message from Flagship

Flagship’s programs are designed to serve customers who have limited access to automobile financing through traditional lending sources. Many of our customers have experienced prior credit difficulties or have limited credit histories and generally have FICO scores ranging from 500 to 675. Flagship’s lending philosophy is to offer a product designed for consumers seeking to finance their primary means of transportation.

At Flagship we understand good people can have less than great credit. Even if you have had a previous bankruptcy or have defaulted on a loan, we believe that as long as you are committed to re-establishing your credit profile and can demonstrate a stable income and ability to repay, Flagship may have the ability to help. Through our relationships with dealerships across the United States, we provide quality financing for customers across all levels of credit. At Flagship we work closely with our dealer partners on every application, review every detail, and whenever possible, find a way to extend to you the financing you need.

Contact

Headquarters

3 Christy Drive
Suite 203
Chadds Ford, PA 19317
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 8:00AM
Tuesday
8:00AM - Invalid DateTime
Wednesday
8:00AM - Invalid DateTime
Thursday
8:00AM - Invalid DateTime
Friday
8:00AM - Invalid DateTime
Saturday
Closed

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -69, or 1.6 on a 5-point rating scale.

-69

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Flagship Credit Acceptance Community Reviews

Would you recommend Flagship Credit Acceptance to your friends?

RO

Robert O.

Oct 28, 2023

May or may not recommend

Horrible service I paid off my truck 4 months ago and they still took out payments and now I’m going month 5 and still haven’t received my money back. They are great with taking your money in a day but 5 months has gone by and I’m still waiting for my money to be returned to me. Never do auto pay with this company

JG

Jennifer G.

Aug 29, 2023

May or may not recommend

I’m writing because my husband’s credit report has not been reported since the month of April. I understand that his account has not always been in good standing but he has worked hard to get it caught up and we even paid ahead. He has called numerous times explaining this situation and that he needs his report updated with the current history, balance, and has gotten completely no where. We ...Show More

DC

David C.

Mar 15, 2023

May or may not recommend

made a partial payment on debit card then immediately after i tried to pay balane on another debit card the system didnt allow me to it says i can only make one payment a day and have to wait 5 days to make another payment so now my acct is late i checked my acct next morning and my acct says BLOCKED PAYMENT PAST DUE i call them and ...Show More

AF

Adrian F.

Dec 18, 2022

May or may not recommend

Hello, We’re Adrian & Elizabeth Flythe, owners of 2011 Audi 6 and as of 8/3/2022 we paid the car off in full. So why is it so hard to receive our electronic car title from Flagship? We’ve also paid off another vehicle from another finance company on same day and have received our title from them, so why flagship won’t turn over our title? We been going thru this ordeal for ...Show More

SM

Shayla M.

Apr 6, 2021

May or may not recommend

This is literally the worst company I’ve ever dealt with in my life!! They are full of bs!! I’ll never in my life recommend these a** hats to anyone!! Poor customer service, predatory lending, daily interest fees, precomputed interest, oh and LIARS!! I can’t even get anyone to refinance the loan from these fools!! They’re trash!! Seriously, a garbage company!! Had I read the reviews before hand I would’ve never ...Show More

U

Anonymous

Mar 23, 2021

May or may not recommend

I was upside down on my new car due to another loan. However, Flagship took me on, gave me 16% APR. I pay $896 a month, and $500 of that payment is for interest only! $500 in interest a month. I've always paid on time and Flagship won't even consider lowering my APR.

TG

Tim G.

Feb 18, 2021

May or may not recommend

I was scammed, the dealership must get a good kickback, my credit score wasn't the greatest, around 670, by the time they ran my credit multiple times it dropped. Alot. So i just signed the agreement to get out out of there thinking I would just refinance in a month or two. But no one wanted to refinance a 2011 car, I am thinking about getting a lawyer etc. ...Show More

TW

Tihara W.

Sep 22, 2020

May or may not recommend

There should be a HELL NO button!! They are HORRIBLE!! Their customer service is HORRIBLE!! Their research skills are HORRIBLE!!! I wouldn't allow Flagship to finance my cheeseburger!! They're horrible!! They shouldn't be allowed to even be a business. Is everyone in training with this company? Does ANYONE know what they're doing????

KC

Ken C.

Sep 17, 2020

May or may not recommend

Way overpriced loans and won’t work with you even during a pandemic.

U

Anonymous

Nov 1, 2019

May or may not recommend

I would Reccomend flag ship credit acceptance to my friends.

CM

Carla M.

Oct 29, 2019

May or may not recommend

One of the worst experiences I ever had. Some of the customer service people are beyond rude and understanding. After informing them not to contact my workplace, they continued to do so causing me to get reprimanded. They have no sense of understanding or wanting to help. It was previously with Ally I should have just stayed with them. Steer clear

MS

Michaela S.

Aug 30, 2019

May or may not recommend

Flagship credit has run a credit check without my permission. I tried to contact them and they informed me to contact the place I purchased my vehicle over two years ago. I gave permission on Nov 22, 2017 to run my credit for a vehicle but not July 27,2019! This company will run your credit without permissions when it’s due for their hard inquiry to be removed! BE CAREFUL WHEN ...Show More

CW

Candida W.

Aug 28, 2019

May or may not recommend

It really helped me! I love this company. Its easy

Showing 13 of 13 reviews

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