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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 9:00 a.m. and 5:00 p.m. EST.

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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.

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