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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 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.
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.

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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

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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