Flagship Credit Acceptance
Flagship Credit Acceptance
in Auto Loans from Flagship Credit Acceptance LLC

Flagship Credit Acceptance

in Auto Loans from Flagship Credit Acceptance LLC
SuperMoney Net Recommendation Score -69  


This product is strongly not recommended by SuperMoney users with a score of -69, equating to 1.6 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Credit Score Range 525 - 850
Loan Amount $7,500 - $45,000
APR  (Fixed APR) Up to 36%
Loan Term (Months) Up to 78 months
Number of Reviews 13

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 Credit Acceptance 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 penatly 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. Flagship Credit Acceptance only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Flagship Credit Acceptance. Their rates fall within the limits of The Military Lending Act.

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
  • Government issued photo ID
  • Proof of identity

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

Yes, Flagship Credit Acceptance reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

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 17 years. Flagship Credit Acceptance are strongly not recommended by SuperMoney community users.

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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.


Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00am
  • Tuesday 8:00am - 8:00am
  • Wednesday 8:00am - 8:00am
  • Thursday 8:00am - 8:00am
  • Friday 8:00am - 8:00am
  • Saturday Closed

About Flagship Credit Acceptance


  Available in 48 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
  • Non-Residents Through Entities Incorporated in the U.S.
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Vehicle Type Auto
Verification Documents Required
  • Driver License (or other photo ID)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
Credit Score Range 525 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Bank Transfer
APR Type Fixed APR
Loan Amount $7,500 - $45,000
APR (Fixed APR) Up to 36%
Loan Term Up to 78 months

Flagship Credit Acceptance Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -69, equating to 1.6 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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