Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Flagship Credit Acceptance Review

Advertiser Disclosure

About lender

Flagship Credit Acceptance LLC is an indirect automobile finance company that purchases retail installment contracts from automobile dealerships financing to low-income consumers for acquisitions of various model used vehicles. The company offers car loans, paying bill options, and auto financing services in the form of direct and indirect lending.

Flagship Credit Acceptance, LLC was founded in 2006 and nowadays is located in Pennsylvania, United States. Flagship Credit currently works with over 9,000 automotive dealerships nationwide and is available in 48 states.

Pros and cons

Even though Flagship Credit Acceptance has many sufficient advantages over other traditional companies, such as no minimum credit score eligibility requirement and various payment solutions, it has quite controversial reviews from customers. That's why all its advantages and disadvantages should be weighed.

Pros 

  • Flagship Credit provides access to various education publications from the American Financial Services Association Education Foundation to enhance consumers' knowledge about credit processes and find help with any financial issues.
  • The company gives financing to customers across all levels of credit.
  • Flagship Finance offers many payment arrangements. Customers can pay by phone, email, Flagship's website, Money Gram, Union Quick Collect, or ACI Speedway.
  • Flagship Credit's clientele can add a co-borrower or a co-signer to meet eligibility requirements or qualify for lower interest rates.
  • Flagship Acceptance reports customers' account activity to credit agencies. If clienteles make regular payments, it may improve their credit, demonstrating creditworthiness and financial responsibility.
  • Flagship Credit has a multifunctional Customer Portal and a payment center that assist customers in resolving any account, payment transactions, and application process issues.
  • The company has tight bonds with numerous automotive dealerships.

Cons

  • Flagship Finance offers a very narrow choice of services. It provides indirect and direct lending, car loans, paying bill options, and auto financing services.
  • The company is not available in all US states. So, customers can not apply for a loan where Flagship does not have branches.
  • Flagship Acceptance is not accredited by Business Better Bureau (BBB) and has rather poor reviews from SuperMoney, Glassdoor and Yelp customers.
  • Flagship Credit Acceptance charges late fees and penalties if customers fall behind their monthly payments.
  • The company levies prepayment fees in case of early payoff, which increases the overall debt amount paid on the contract.
  • Unlike other lender companies, Flagship Acceptance does not provide a grace period for clients.
  • Flagship Credit charges an origination fee that depends on the type of service and the place of customer residence.
  • Flagship Credit predominantly considers employed borrowers for its credit options.

Terms and conditions

Flagship Credit offers both indirect and direct lending options to its customers. Its lending platform provides an opportunity to credit consumers on the refinance of existing loans secured by cars. As for indirect lending, Flagship Credit originates or purchases automobile contracts secured by new and used automobiles purchased by consumers.

Car loan and auto financing amounts vary from $7,500 to $45,000. The annual Percentage Rate (APR) is up to 36%. The loan term is up to 78 months.

Funding a loan

The money is disbursed by the company toward the clients directly via Flagship Credit Acceptance. Clienteles can get money within seven or more business days. The operational time of the lender is a couple of months.

Flagship Credit Acceptance

FAQ

What does Flagship Credit do?

Flagship Credit specializes in providing direct and indirect lending, car loans, auto financing, and bills paying options.

Is CarFinance Capital the same as Flagship?

No, CarFinance Capital and Flagship Credit Acceptance are two different auto finance companies. Nevertheless, Perella Weinberg Partners was planning to merge its two auto loan origination and servicing platforms, Flagship Credit Acceptance and CarFinance Capital, into a single, national automotive lending company. So, customers can watch out for possible events on Flagship Credit's website.

Is Flagship Credit Acceptance a good company?

Flagship Credit is a well-established auto finance company that has been operating in business for 16 years, aiming to help customers with credit difficulties such as previous bankruptcy or loan default to finance primary means of transportation. However, Flagship Credit does not have irreproachable reviews on car loans and auto financing.

Company documents

Privacy Policy
Security Policy

Flagship’s lending philosophy is to offer a product designed for consumers seeking to finance their primary means of transportation.

© Flagship Credit Acceptance, LLC
Offers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$7,500-$45,000
Rate
i

Interest rate

up to 36%
Term
i

Loan term for the financial product

up to 78 months
Similars products
Best Vehicle Loan Today 07.02.2025*
Finanso
Vehicle Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Calculate loan payments in Flagship Credit Acceptance

Flagship Credit Acceptance calculator will allow you to calculate an approximate payment schedule for the loan

Flagship Credit Acceptance calculator
Interest rates are given in accordance with the rates of the Flagship Credit Acceptance of 07.02.2025
Loan amount
i

Enter the desired loan amount

USD
USD
7500 $
45000 $
Loan term
i

Specify the loan term for the calculation

months
days
1
78
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
Flagship Credit Acceptance reviews 2025
Leave feedback
Similar companies
NaviRefi
123 S Justison St, Wilmington, DE 19801-5360
+1 (844) 381-6621
HESAA
PO Box 545, Trenton, NJ 08625-0545
+1 (609) 584-4480
RISLA
935 Jefferson Blvd, Suite 3000, Warwick, RI 02886
+1 (800) 758-7562
VSAC
10 East Allen Street, Winooski, VT 05404
+1 (800) 642-3177
Funding U
309 East Paces Ferry Rd. NE Suite 400, Atlanta, GA 30305