At Flagship, we understand
the power of "yes"

We’ve helped tens of thousands of drivers — just like you — secure competitive rates on their auto loan, regardless of their credit situation.

At Flagship we understand good people can have less than great credit. Even if you have had a previous bankruptcy or defaulted 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 should 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 find a way to extend to you the financing you need.

Where credit is a problem, we’re here to find the solution.
Our company is here to offer options to get you on the road…ahead.

Read more about our personal approach to lending…

Lending Philosophy

Read more about the policies and practices designed to protect you as a borrower…

Fair Lending Policy


Frequently Asked Questions

The top questions asked by our existing Flagship customers are answered here.

Changes To Online Payments

Flagship has changed its payment processor vendor to Western Union. Please note: Western Union charges a $4.50 convenience fee for one-time payments. This fee will apply when you make a one-time payment online, make a one-time payment using our automated telephone payment service, or make a one-time payment by phone with a Flagship Representative. This fee is waived when you sign up for recurring payments!

Do you have questions about this change? We’ve put together a list of questions and answers below.

Why is Flagship partnering with Western Union Speepday as the payment vendor?

Flagship is continually looking for ways to improve its customer service experience for its customers. We recently reviewed our current payment processing methods, and we believe Western Union will provide our customers with better, easier, and more convenient payment options.

​What will happen to my scheduled recurring payments that I set up through your website?

There will be no changes to your existing scheduled recurring payments. Your payments will continue to be made automatically, as scheduled and without a payment processing fee. No further action is needed on your part. 

​How can I make changes to my recurring payment?

You can make changes to your recurring payment by accessing

​I have not set up recurring payments and prefer to make one-time payments when it is convenient for me. Is there a fee for this service?

Yes, the convenience fee charged by Western Union for one-time payments will be $4.50. This fee will apply when you make a one-time payment online, make a one-time payment using our automated telephone payment service, or make a one-time payment by phone with a Flagship Representative. 

How can I set up recurring payments to be deducted directly from my checking account or make a one-time payment online using my checking account or credit card?

Customers are able to easily manage their accounts online by accessing and registering your account. Through, you will be able to set up recurring payments, make a one-time payment, or view your payment history at your convenience. 

​Why did you raise your fee?

The payment processing fee (or convenience fee) is imposed by the payment processing vendor for the convenience of their service. Flagship negotiates with its payment processing vendors to secure a reduced fee for its customers. Western Union agreed to reduce its one-time payment fee to $4.50 per transaction. Remember, this fee is waived when you sign up for recurring payments by accessing

Does Western Union offer a Spanish option?

Yes. This is a standard option when making a one-time payment using the automated telephone payment service.

Where can I go to view a history of my payment transactions?

Payment history will continue to be available for customers who are registered on Register now to begin using this service by accessing

​Are the hours changing when I will be able to make a payment?

No, you may reach a Customer Service Representative by calling 1.800.900.5150 between the hours of 8:00am – 8:00pm EST Monday through Friday.

​I am trying to make a payment, but it is not going through. What am I doing wrong?

Because there may be a variety of reasons, please call Customer Service at 1.800.900.5150 for assistance with your account.

General Questions

How do I know what type of title will be received after I pay off my loan?

Because every state has its own title procedure, it's best to defer to your local Department of Motor Vehicles' website. To help explain some of the methods your state may use to release a lien, we've outlined a few definitions below for reference:

Paper Title: Paper titles are physical titles. Shortly after purchasing your vehicle and depending on the state where you reside, that title may have been mailed to you or to Flagship Credit Acceptance.

Lien Card/Lien Release: If you reside in a state where the title was mailed to you directly at the time of purchase, Flagship Credit Acceptance will release the lien via a Lien Card or Lien Release letter at the time of payoff. To remove our lien from the title, upon receipt of the card/letter, it, along with the title should be presented to the local DMV office.

Electronic Record: Some states do not print a title until after the account is paid in full. Flagship Credit Acceptance will send a lien release as directed by the customer. Upon receipt, the the lien release should be presented to the state, where title paperwork will be produced.

Electronic Title: Some states no longer use a paper title process. The lien is filed electronically, and Flagship Credit Acceptance is notified of the lien electronically. Upon payoff, Flagship Credit Acceptance will notify these states of the lien release. Upon notification, depending on the state, some states will immediately release a paper title. Other states do not require the customer hold a physical paper title. Should the customer require one, it would need to be requested from the state.

I recently paid off my loan. When will I receive my title?

For the certificate of title or lien satisfaction to be mailed, the payoff must be successfully posted to your account and the account is fully satisfied. Once these terms are met, the certificate of title or lien satisfaction will be sent to the authorized party -- a.k.a. the person or entity that paid off the loan -- in accordance with state-specific regulations. 

May I refinance my contract?

Flagship Credit Acceptance does not offer refinancing on existing Flagship loans. To receive more information, please contact one of our account managers toll free at 1.800.900.5150.

Managing Your Account

What are the hours of operation for Customer Service?

Our hours of operation are as follows:

Monday through Friday 8:00 AM – 8:00 PM EST

My temporary tag from the dealer has expired. What do I do?

Contact the dealership where your vehicle was purchased to inquire if your paperwork has been processed with the state. Each state and dealership has a different timeline for processing this request, and the dealership may need to procure a new temporary tag for your vehicle.

I have moved to a different state and need to get tags for my vehicle. What should I do?

Contact your local tax office or Department of Motor Vehicles to determine which department handles vehicle registrations. Before visiting, see if an appointment can be scheduled. At the appointment, advise the office of your newly established residency and present all applicable paperwork for the vehicle -- which should reflect Flagship Credit Acceptance as the lien holder -- as well as any other documentation required (see local guidelines). 

I received an insurance check for repairs to my vehicle. In order for me to make payment to the body shop and claim my vehicle, Flagship Credit Acceptance must endorse the check. How do I go about getting a signature from Flagship Credit Acceptance?

Please contact us at 1.800.900.5150.

How do I handle an insurance claim due to physical damage?

Please contact us at 1.800.900.5150. Have the following information available when you contact us: Insurance Agency Name, Insurance Agent Name/Contact Name, Insurance Agent Phone Number, and Date of Loss.

Making A Payment

How do I make a payment online?

To pay your bill online, click herePlease note: Western Union charges a $4.50 convenience fee for one-time payments. This fee will apply when you make a one-time payment online, make a one-time payment using our automated telephone payment service, or make a one-time payment by phone with a Flagship Representative. 

Can I set up automatic payments online?

Yes. To pay your bills automatically every month, visit our payment processor here. When you register for Automatic Bill Pay, the $4.50 one-time convenience fee is waived. Payments can be set up to be deducted directly from your checking account on a monthly basis. Get set up by clicking here.

What happens with the unpaid late fees?

Late fees are paid whenever your payment is more than the amount needed to satisfy unpaid due and past due interest and principal. Any unpaid late fees will remain on your account and will result in an additional amount due at the end of your loan term. However, no interest accrues on late fees.

Last month I paid my monthly payment plus an extra $XX.XX for a late fee, but my next statement still shows the late fee owing.

When we get your payment, we apply it first to accrued interest and principal, and then to late fees. In this case, your payment wasn’t enough to satisfy both the accrued interest and principal, and the late fee due. This is because you may have paid one or more payments late, causing additional interest to accrue. Please note that, although you will still owe the late fee, no interest accrues on it.

This is a simple interest loan. This means that we accrue interest each day on the outstanding principal amount of your loan. If you pay before your due date, less interest accrues. If you pay late, more interest accrues. If you have paid one or more payments late, it causes additional interest to accrue on your account.  

How will I know if my online payment has been received?

Once a payment has been successfully submitted, you will receive a confirmation number. If you fail to receive a confirmation number, DO NOT attempt to process your payment again, as it may result in duplicate payments being deducted from your account. 

If you should encounter issues while attempting to process a payment online, please call us at 1.800.900.5150.

May I change my payment due date?

You may request a due date change of up to 15 days from the original due date, or as late as the 25th of the month. To request such a change, please contact Flagship's account management department at 1.800.900.5150.

**Please note: Alterations to due dates are permanent.**

May I skip a payment?

In accordance with your contract, payments are due monthly, on/before the scheduled due date. 

If you are facing a hardship and believe you cannot make your monthly payment on time, please contact a Flagship account manager to discuss your situation, 1.800.900.5150.

At what point will I be charged a late fee?

The number of days past due before a late fee is incurred is dependent on the state where you reside and the specific terms of your agreement. As an example, under a particular state’s law, if a payment is due on the 5th of each month, it must be received by the 12th to avoid a late fee, whereas another state may offer more or less time. Bear in mind that interest continues to accrue on your principal balance, including the past due amount.

For reference, all details specific to your account may be found under your Retail Installment Contract or Security Note.

Is there a grace period for late payments?

Refer to your contract to determine the number of days grace you may have before a late charge is assessed. 

Bear in mind payments are required by the due date listed in your contract. Interest charges accrue on your balance, including any past due principal amounts, and will be applied to your account each day, which will increase the total amount paid on your contract.

Do you accept payments by phone?

Yes. We accept payments via telephone using a personal checking account, personal savings account, debit or credit cards. Call us toll free at 1.800.900.5150 and have your card information or bank routing number and check numbers available. 

**Please note that Western Union charges a $4.50 convenience fee for one-time payments. **

Will funds be drafted from my account the day they are received?

Any payments made before 8:00 PM Eastern  -- including overnight payments and payments made via certified mail -- will generally post to your account within one to three days after they are received, excluding weekends and holidays. However, your bank may not debit the funds from your account for up to 48 hours following payment being posted.

May I have my payment automatically deducted from my checking or savings account?

Yes. We offer a free automatic payment plan to qualified customers. To enroll in automatic payments click here, where you'll be redirected to our payment processing center, powered by Western Union.

How do I request my payment history?

Please contact us at 1.800.900.5150

Where do I mail my payoff check?

Send payoff checks to the following address:

Flagship Credit Acceptance
P.O. Box 975658
Dallas, TX 75397-5658

**Mailed payments only accepted at this location.**

If you wish to send your payoff check via overnight mail, certified mail or Next Day Air, please send it to:

Flagship Credit Acceptance
5400 Legacy Drive
Mail Stop H3-GC-06
PLANO, TX 75024

How do I request the amount required to pay off my account?

Please contact us at 1.800.900.5150 to obtain an updated payoff amount.

Where should I mail my payment?

You should mail your payment to the address on the remittance portion of your monthly statement. If you do not have the remittance portion of your statement, send your payment to the processing center below:

Flagship Credit Acceptance
P.O. Box 975658
Dallas, TX 75397-5658

**Mailed payments only accepted at this location.**

If you wish to send a payment in the form of a personal check, cashier’s check or money order via overnight mail, certified mail or Next Day Air, please send it to:

Flagship Credit Acceptance
5400 Legacy Drive
Mail Stop H3-GC-06
PLANO, TX 75024

Will I receive a coupon book?

No. You will receive a monthly statement – usually two weeks prior to your payment due date.

What are late charges, returned check charges or servicing fees?

Flagship’s servicing fees are fees that may be incurred during the life of the contract due to the occurrence of certain events, such as a late payment or a returned check. The service fees related to those events are updated in accordance with applicable state laws and regulations. In many cases, this won't result in any changes to your servicing fees. However, in some instances, there may be a change in certain servicing fees such as a late charge or returned check charge. Please see the terms of your contract for additional information.

Your Contract & Title

Where do I find my account number?

Your account number is located on your statement on the right hand side of the page.

What information do I need to access my account information?

You will need your 11 digit account number -- located on your statement on the right hand side of the page -- the last four digits of the primary account holder’s social security number, and the zip code of the billing address.

Educational Resources

Don’t know where to start? We have resources that are designed to steer you in the right direction.

Have a question that isn’t covered here?

Please reach out & Get In Touch

Customer Service


Hours: 8am - 8pm EST Monday - Friday

Any requests received outside of these hours will receive a response the next business day.

Customer Service Unavailable

Payment Center


Flagship Credit Acceptance
PO BOX 2070
Coppell, TX 75019-2070

Insurance Loss Payee
Flagship Credit Acceptance
PO BOX 965
Chadds Ford, PA 19317

Account Management

To look up and/or edit details related to your Account:

View Your Account

If you have a complaint or concern about how you have been treated, we want to hear from you:

Get in Touch

Fair Lending Policy

Flagship Credit Acceptance, LLC ("Flagship") is committed to maintaining a culture of fair credit throughout the organization. In this regard, Flagship has developed a Fair Credit Program ("Program") that complies with all applicable fair credit laws and regulations ("FC Laws") and reflects industry best practices. Flagship is committed to comply with the letter and spirit of FC Laws. The goal of the Program is to carry out Flagship's commitment and be recognized internally and externally (e.g., by management, associates, customers, service providers, and the public) as dedicated to fair credit principles and demanding of compliance. The Program applies to all aspects of Flagship's operations (including reviewing, purchasing and servicing retail installment sale contracts whether for itself or others) and all services offered by Flagship, and across all of Flagship's credit operations, including marketing, underwriting, origination, processing, servicing, collection, loss mitigation, and payoff activities, and to all personnel who work for or on behalf of Flagship, whether as associates, officers, members of the Board of Directors, agents, representatives or service providers.

Should you have any questions about the details of any of Flagship's policies, please contact us at 1.800.900.5150 M-F, between 9:00 a.m. and 5:00 p.m. EST.


Our Lending Philosophy

A borrower is more than just a credit score. At Flagship, we focus on the story behind the customer …and look beyond the number.

Life happens. Whether low credit scores are a result of past circumstances, one-time events or just bad luck, Flagship offers multi-tiered pricing structures to finance borrowers across the credit spectrum.

At Flagship we believe a borrower’s credit past shouldn’t dictate their future.

Many borrowers need a second chance. We recognize the vast majority of persons with credit challenges are working hard to re-establish their credit rating. Each of our Credit Analysts are trained in "common sense" lending, a philosophy of reviewing all the circumstances and determining the appropriate deal structure for the specific borrower situation. Flagship maintains a very high standard regarding  Fair Lending compliance, ensuring our customers are always treated professionally and consistently.