Flagship Credit Acceptance

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?

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.