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You can also browse the topics below to find answers to your questions.

Frequently Asked Questions

A Flagship Credit Acceptance inquiry is on my credit report – what does it mean?
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If you recently applied for dealer financing or refinanced your vehicle, your application was forwarded to Flagship Credit Acceptance so we could evaluate whether, and on what terms, we would purchase a finance agreement from the dealer or refinance your current contract. Flagship uses credit, income, and vehicle information in making our determination.

What does Flagship Credit Acceptance report to the consumer reporting agencies?
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Every month we report transactional information on your account to consumer reporting agencies. 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.

When does Flagship Credit Acceptance report to the credit bureau?
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We report monthly, in the first week following the end of the month. Flagship does not control the time each consumer reporting agency takes to update its records, but typically that occurs within 5 days of receiving our report.

My report shows I am 30 days past due – why?
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Flagship reports monthly in the first week following the end of the month. We report the status of your loan as the last night of the month minus the number of days from your latest statement due date. For example:

  • If your loan is due on July 5, 2020, and the scheduled payment amount has not been made by July 31, 2020, the loan will be marked paid as agreed because the loan is less than 30 days past due.
  • If your loan is due on June 25, 2020, and the scheduled payment amount has not been made by July 31, 2020, the loan will be reported as 30 days past due.
Flagship repossessed my vehicle – how is that reported to the credit bureaus?
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Flagship reports monthly in the first week following the end of the month. Flagship reports the loan as a repossession, which is considered negative. There are two kinds of repossessions. One is voluntary, when the customer requests to turn in the vehicle. The other is when Flagship determines and advises the customer with notice that the vehicle will be repossessed.

Flagship repossessed my vehicle and I paid to get it back – how is that reported to the credit bureaus?
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Flagship reports monthly during the first week following the end of the month. Flagship reports the loan as repossession until it is redeemed. Once redeemed, the loan will be reported at the end of the month with the account status calculated for that month.

When will a loan that is “paid in full” be reflected on a credit report?
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Flagship reports monthly in the first week following the end of the month. Flagship does not control the time each consumer reporting agency takes to update its records, but typically that occurs within 5 days of receiving our report. A loan that is paid in full will reflect a zero balance and a paid or closed date. While not typically stated on a report, it is common that a zero balance on an installment loan is noted as paid.

What does “paid in full for less than full balance” mean?
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Flagship may have agreed to a settlement with you as our customer to pay less than the final total balance due. We report “paid in full for less than full balance” to the credit bureaus to indicate our settlement and that the loan has been paid in full.

I’m a dealer and my customer says the last reporting they received from Flagship was in XXX month. Are we still reporting to the credit bureaus?
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Yes, we are still reporting. Depending on the date of the report your customer is viewing, it could be the last month we’ve reported. For example, in early July, the report may reflect the last update as of June. If your customer disagrees with what is being reported, they can send an email explaining their concern to cbdispute@flagshipcredit.com. They will receive a letter in response from the Flagship Credit Acceptance team. Your customer’s email should include their loan number and they may attach any relevant supporting information.

How do I handle an insurance claim due to physical damage?
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Please call us at 1-800-900-5150 and have the following information available:

  • Insurance agency name
  • Insurance agent name/contact name
  • Insurance agent phone number, and
  • Date of loss
Do I have to keep making payments if I was in an accident and my insurance company says my vehicle is a total loss?
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Borrowers remain responsible for making monthly payments until the loan is paid in full. If a total loss has occurred, please call us at 1-800-900-5150 to provide your complete insurance information. We can then 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.

I received an insurance check for vehicle repairs. In order to pay the body shop and claim my vehicle, Flagship Credit Acceptance must endorse the check – how do I get the endorsement?
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Please call us at 1-800-900-5150.

What type of title will I receive after I pay off my loan?
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Because every state has its own title procedure, please refer 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 for reference:

  • Paper Title: Paper titles are physical titles. Shortly after purchasing your vehicle, that title may have been mailed to you or to Flagship Credit Acceptance, depending on your state’s procedures.
  • Lien Card/Lien Release: If you live 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. Once you receive that card/letter, present it and the title to your local DMV office to remove our lien from the title.
  • 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 you, the customer. Once you receive the lien release, present it to your local DMV office to produce the new title.
  • Electronic Title: Some states no longer use a paper title process. Instead, 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, some states will immediately release a paper title. Other states do not require the customer hold a physical paper title. Should you require one, you will have to request it from the state.
I recently paid off my loan. When will I receive my title?
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Before the certificate of title or lien satisfaction can be mailed, the payoff must be posted to your account and the account must be fully satisfied. Once these terms are met, the certificate of title or lien satisfaction will be sent to the authorized party – the person or entity that paid off the loan – in accordance with specific state regulations.

What are my payment options?
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  • Online payments can be made at our Customer Portal.
  • Regularly mailed payments can be made by check or money order payable to Flagship Credit Acceptance. 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. Please send regularly mailed payments to:

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

  • Overnight mailed payments can be made by personal check, cashier’s check or money order via overnight mail, certified mail or Next Day Air. Please send overnight mailed payments to:

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

  • Telephone payments can be made by calling us at 1-800-900-5150. We accept payments by personal checking account, personal savings account, debit or credit cards. Please have your card or banking information available when you call. Check numbers are not needed for transactions. Please note: our service provider charges a $4.50 convenience fee for one-time payments.
  • MoneyGram payments are accepted at offices nationwide. You’ll 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’ll 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.
Where do I mail my payoff check?
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Please send your payoff check via standard mail to:

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

To send your payoff check via overnight mail, certified mail or Next Day Air, mail to:

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

I prefer to make one-time payments when it is convenient. Is there a fee for this service?
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Yes – the convenience fee charged by our payment service provider for one-time payments is $4.50. This fee applies whenever and however you make a one-time payment: online at have registered at our Customer Portal, by phone using our automated telephone payment service, or by phone with a Flagship customer service representative.

How can I set up recurring automatic payments or make one-time payments online?
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By registering your account at have registered at our Customer Portal, you can set up recurring payments and make one-time payments. When you register for Automatic Bill Pay, the $4.50 one-time convenience fee is waived. Payments can be deducted directly on a schedule that works for you, including weekly, bi-weekly, semi-monthly, or monthly.

How can I make changes to my recurring payment?
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You can make changes to your recurring payment by accessing your account at have registered at our Customer Portal.

I’m trying to make an online payment, but it’s not going through. What should I do?
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Please call us at 1-800-900-5150 for assistance.

What are late charges, returned check charges, and servicing fees?
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Flagship’s servicing fees may be incurred during the life of the contract due to events such as a late payment or a returned check. These service fees are updated in accordance with applicable state laws and regulations, and in most cases won’t result in any changes to your servicing fees. 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.

When will I be charged a late fee?
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The number of days past due before a late fee is charged depends on the state where you live and the terms of your agreement. For 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, while another state may allow more or less time. Keep in mind that interest continues to accrue on your principal balance, including the past due amount. 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?
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Please check your contract to determine the number of days you have before a late charge is assessed. Keep in mind that 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.

What happens to unpaid late fees?
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Any unpaid late fees will remain on your account and will result in an additional amount due at the end of your loan term. Late fees do not accrue interest.

Last month I paid my monthly payment plus an extra late fee, but the late fee still appears on my next statement – why?
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Your payment is first applied 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 may be because you paid one or more payments late, causing additional interest to accrue. Please note: late fees do not accrue interest.

How will I know if my online payment has been received?
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Once we receive your payment 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 have any issues making a payment online, please call us at 1-800-900-5150.

Will funds be drafted from my account the day they are received?
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Payments made before 8 pm EST – 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 after the payment is posted.

What are Flagship’s communication practices?
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Flagship uses various communication methods to most effectively contact our customers. These include telephone calls, text messages, emails and letters by mail. With customer consent, Flagship may use prerecorded or automated voice messages, 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 at our Customer Portal, or when speaking to a Flagship customer service representative). If you have any questions, please call Customer Service at 1-800-900-5150.

Can I revoke my consent to receive automated calls?
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Yes – you may do so at any time by notifying us in writing or by logging into your account at our Customer Portal 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: If you revoke your consent, we may still contact you regarding your account using non-automated or other permissible methods.

What is a “simple interest” loan?
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A simple interest loan accrues, or adds interest daily for the length of the loan. Interest is based on the remaining principal, also known as the amount still owed, the interest rate, and number of days in the year. As the principal is paid down, the amount of monthly interest paid also decreases.

How do I update my personal information?
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Sign in at our Customer Portal. Go to “My Profile,” where you can edit your home, mailing and email addresses, plus phone numbers, contact settings, security questions and password.

Can I refinance my current automobile contract with Flagship Credit Acceptance?
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We do not offer refinancing on our existing loans. For more information, please call us at 1-800-900-5150.

My temporary tag from the dealer has expired. What should I do?
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Contact the dealership where your vehicle was purchased to see if the state has processed your paperwork. Each state and dealership have different processing timelines, so the dealership may need to provide you with a new temporary tag.

I’ve moved to a different state and need to get tags for my vehicle. What should I do?
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Contact your local tax office or Department of Motor Vehicles to find out which department handles vehicle registrations (request an appointment if possible). At the appointment, advise the office of your new address and present all applicable vehicle paperwork (such as the title and insurance information, which should reflect Flagship Credit Acceptance as the lienholder) plus any other required documentation (see local guidelines).

How can I request the amount required to pay off my account?
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Please call us at 1-800-900-5150 to ask for an updated payoff amount.

How can I pay off my loan?
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You can pay off your loan in one of two ways: Sign in to our Customer Portal, or call us at 1-800-900-5150 to get your current payoff amount.

Does it matter if I pay off my loan certified or uncertified?
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We recommend certified funds over uncertified funds. If you need your title as soon as possible, paying with certified funds allows us to release the lien/title of the payoff sooner. Certified fund payment types include cashier’s checks, dealership checks, debit cards, money orders, or wire transfers through MoneyGram or Western Union®. Uncertified fund payment types include 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).

What are the hours of operation for Customer Service?
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Monday through Friday, 8 am to 8 pm EST.

Have a question that isn’t covered here?

Please reach out to us for assistance.

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