Please read our statement on how Flagship Credit is responding to COVID-19

How can we help you?

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

Payments Frequently Asked Questions

What are my payment options?
[+]
  • 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?
[+]

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?
[+]

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?
[+]

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?
[+]

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?
[+]

Please call us at 1-800-900-5150 for assistance.

What are late charges, returned check charges, and servicing fees?
[+]

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?
[+]

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?
[+]

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?
[+]

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?
[+]

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?
[+]

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?
[+]

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.

Have a question that isn’t covered here?

Please reach out to us for assistance.

Get in touch
Check out our blog!
Stay connected
Back to top