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Customer Resources

At Flagship, it's easier than ever to manage your accounts!

With new features & eco-friendly delivery options — using our new Customer Account Portal lets you spend less time paying & more time driving.

Just click the Customer Account Log-In button to view & manage your new account dashboard. There you can set up recurring payments, arrange for paperless billing, create custom log-ins & more!

At Flagship we believe that managing your account should be fast, easy, and hassle free!

Check out these new features:

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View your accounts & auto-pay status

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Add an additional account

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Make changes
to your

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Sign up for emailed statements

Get started now

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.

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.

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.

  • A simple interest loan accrues interest daily from the day it’s signed, until the day it’s paid off. Interest is based on the remaining principal, interest rate, and number of days in the year. However, as the principal is paid down, monthly interest decreases as well.

  • You can update your personal information online. First, sign in to, then go to ‘My Profile’ to edit your home, mailing, and email addresses. You can also edit phone numbers and contact settings, as well as your security questions and password.

  • 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.

  • 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.

  • 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 lienholder -- as well as any other documentation required (see local guidelines). 

  • Please contact us at 1-800-900-5150 to obtain an updated payoff amount.

  • How exciting! You can pay off your loan in one of two ways: Log in to account or call 1-800-900-5150 to obtain an accurate pay off amount.

  • Yes, how you pay may affect the timing of the title release. If you need your title as soon as possible, paying with certified funds allows us to release lien/title of the payoff sooner. Please note that you may not receive the title for a few additional days depending on your state’s guidelines. When considering a payoff method, we recommend Certified Funds over Uncertified Funds. Certified fund payment types are: Cashier’s checks, dealership checks, debit cards, money orders, or wire transfers through MoneyGram or Western Union®. Uncertified fund payment types are: BillPay, business checks, credit card checks, personal checks, payments made with routing and account numbers, or payments made with online banking and the IVR (our automated phone system).

  • Our hours of operation are as follows: Monday through Friday 8am-8pm EST.

  • 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.

  • To access your account online, please register your account at

  • You can update your contact information, such as email, phone number, and mailing addresses in Profile and Settings at Select the item you would like to update from Contact Information. Enter your new information, verify your changes, and then save your changes.

  • Absolutely! You can select how you receive your billing statements at or by calling Flagship Credit Acceptance at 1-800-900-5150.

  • Both the primary borrower and a co-borrower on an account can register for their own separate profile at

  • is a customer portal that allows you to manage your account wherever you are, from your desktop, tablet, or even your mobile device. Once you've enrolled, you can start enjoying convenient and secure access to your account information 24/7. Use it to take advantage of payment and self-service options, such as making payments, viewing your transaction history, updating your account information, registering for electronic statements, and more.

  • Flagship utilizes various methods of communication in order to most efficiently and effectively contact its customers. Our communication methods may include telephone calls, text messages, emails and letters by mail. Where customer consent is provided, Flagship may use prerecorded or artificial voice messages, and may make calls that are part of an automatic telephone dialing system, even if the phone number provided is a cell phone number or if the contact results in a charge to you. Customer consent may have been provided under the terms of your contract, through enrolling in, or when speaking to a Flagship customer service representative.

    If you have any questions, please call Customer Service at 1-800-900-5150.

  • Yes. You may revoke your consent at any time by providing us written notice or by logging into your customer account at and unchecking the "Voice" communication boxes. Written notice must be sent to P.O. Box 3807, Coppell, TX 75019 and must include your name, mailing address, and account number. It must also state that you are revoking your consent and list the specific telephone number(s) being revoked. Please note that if you revoke your consent, we may still contact you regarding your account using non-automated or other permissible methods.

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

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

  • 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.

  • 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.

  • Payment history is available for customers who are registered on or by contacting Flagship’s account management department at 1-800-900-5150. Visit today to register.

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

  • To access your account on you will need to register an account. You will need your 11 digit account number -- found on the top left-hand corner -- and your Social Security number or last name. 

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

  • 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. 

  • Because there may be a variety of reasons, please call Customer Service at 1-800-900-5150 for assistance with your account.

  • Making an online payment is quick and easy. Simply sign in to your online account at From there, you'll be able to make a one-time payment or schedule recurring payments.

  • Yes. To pay your bills automatically every month, visit 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 on a payment frequency schedule that works for you. For example: Weekly, bi-weekly, semi-monthly, or monthly.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 our service provider charges a $4.50 convenience fee for one-time payments.

  • Any payments made before 8 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.

  • Yes. We offer a free automatic payment plan to qualified customers. To enroll in automatic payments log in to your account at

  • 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
    6901 Windcrest Drive, Dock #2
    Plano, TX 75024

  • 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
    6901 Windcrest Drive, Dock #2
    Plano, TX 75024

  • 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.

  • A payment processing fee (or convenience fee) is imposed by the payment processing vendor for the convenience of their service. Flagship Credit Acceptance negotiates with its payment processing vendors to secure a reduced fee for its customers. This fee will apply when you make a one-time payment online at, make a one-time payment using our automated telephone payment service, or make a one-time payment by phone with a Flagship Representative. Remember, this fee is waived when you sign up from recurring payments by accessing

  • Make a payment online:

    Check or money order: Checks or money orders payable to Flagship Credit Acceptance can be sent to the address below. Please remember to fill in all sections on the money order. Please include the payment remittance slip from your statement and write the account number on the check or money order. Do not send cash.

    Regularly Mailed Payments

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

    Overnight Mail Payments

    Flagship Credit Acceptance
    6901 Windcrest Drive, Dock #2
    Plano, TX 75024

    Telephone Payment: Automated telephone payments can be by calling 800.900.5150

    MoneyGram: Payments are accepted at offices nationwide. You will need your Flagship Credit Acceptance account number and Receive Code 6873. Please note third-party fees may apply. Find a MoneyGram location near you.

    Western Union Quick Collect: Payments are accepted at offices nationwide. You will need your Flagship Credit Acceptance account number, Western Union City Code SIXTHIRTY, and State Code TX. Please note third-party fees may apply. Find a Western Union location near you.

  • You can make changes to your recurring payment by accessing your account at

  • 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.

  • 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.

  • 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
  • Borrowers remain responsible for making monthly payments until the loan is paid in full. If a total loss has occurred, please call Flagship Credit Acceptance at 1-800-900-5150 and provide us with complete insurance information. Then, we can begin working toward a final settlement with your insurance company. You will need to provide us with your insurance policy number, date of loss, settlement amount, adjustor name and contact information. You may also have your insurance adjustor contact us on your behalf. After your insurance pays the settlement, you will be responsible for any remaining balance. If you have GAP or other debt protection coverage, we’ll provide the information needed to file the necessary claims.

  • Please contact us at 1-800-900-5150.

  • Flagship Credit Acceptance reports transactional information about customer accounts to consumer reporting agencies on a monthly basis. That information includes, but is not limited to, personally identifying information, contract date, terms, payment amount and the status of the account for that month.

  • If you recently shopped for an automobile and applied for dealer financing, your application was forwarded to Flagship Credit Acceptance to evaluate whether, and on what terms, it will purchase a finance agreement from the dealer.

Educational Resources

We’ve included a link to the various publications from the American Financial Services Association Education Foundation (“AFSAEF”), whose mission it is to help consumers realize the benefits of responsible money management, understand the credit process, and seek help if credit problems occur. There is a whole host of information – in English as well as Spanish — pertaining to buying a car, understanding personal loans, available on their site.

Visit AFSAEF resources

Have a question that isn’t covered here?

Please reach out to us for assistance.

Get in touch

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.

Fair Lending Policy

Flagship Credit Acceptance LLC (“Flagship”) is committed to maintaining a culture of fair lending throughout the organization. The Company adheres to a fair lending policy which requires that credit decisions be made without regard to a consumer’s race, color, religion, national origin, sex, gender identity, sexual orientation, military status, marital status, or age (provided that the consumer(s) has the capacity to enter into a binding contract); the fact that all or part of a consumer’s income derives from any public assistance program; the fact that the consumer(s) has in good faith exercised any right under the Consumer Credit Protection Act; any other prohibited basis under federal, state, or local law; or any other factor that is not related to the consumer’s credit worthiness and ability to repay (the “Fair Lending Policy”). The Fair Lending Policy applies to all aspects of Flagship’s operations and all services offered by Flagship. It applies across all of Flagship’s credit operations, including marketing, underwriting, origination, processing, servicing, collection, loss mitigation, and payoff activities, and it also applies 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 9:00am and 5:00pm EST.

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