In the news

Announcing the Flagship Credit Acceptance “Single Source”

January 21 2016 | Chadds Ford, PA

On January 21st, 2016, Flagship Credit Acceptance and CarFinance Capital unified their individual lending programs into the Flagship “Single Source” platform.

This new “one-click” strategy offers exclusive access to Flagship’s Service Triangle customer service teams, preferred status programs, amazing profit-building opportunities, and the ‘ease of use’ that Dealers have come to appreciate from both Flagship Credit Acceptance and CarFinance Capital.

Dealer partners of Flagship will continue to utilize the “Single Source” for all deals needing rates as low as 5.99%, and of course, for any application where they would have chosen CarFinance Capital. The Flagship “Single Source” also offers both a Certified Pre-Owned and an active-duty Military Lending Program as a part of this new and exciting offering.

As always, Dealers will have the ability to utilize all three Books (Kelley, NADA, and Black) for collateral values, have access to Flagship Bucks©, and LIVE Credit Analysts 7 days a week. Flagship has also improved their program offering to include the most Profitable Preferred Dealer Advantage status in the nation for their most loyal Dealer customers. 

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About Flagship Credit Acceptance

Flagship Credit Acceptance LLC ("Flagship"), headquartered in Chadds Ford, Pennsylvania with offices in Irving, Texas, Phoenix, Arizona, Irvine, California and Indianapolis, Indiana, helps credit-challenged auto shoppers secure financing through partnerships with primarily franchised auto dealers and through its direct lending site, Flagship Credit has successfully grown its portfolio to $2.9 billion in managed receivables. The Company currently purchases indirect auto contracts from a nationwide network of over 9,400 dealers and originates direct to consumers in 46 states.

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.