Auto finance experience and expertise, working for you

Core Lending

Core Lending

Flagship's programs are designed to serve customers who have limited access to automobile financing through traditional lending sources. Many of our customers have experienced prior credit difficulties or have limited credit histories and generally have FICO® scores ranging from 525 to 675. Flagship's philosophy on lending is to offer a product targeted to working-class consumers, seeking to finance their primary means of transportation.

Flagship originates or purchases automobile contracts that are secured by new and used automobiles purchased by consumers from predominantly franchised or established independent automobile dealerships. Flagship currently works with over 7,000 automotive dealerships nationwide.

Direct Lending

Direct Lending

In late 2014, Flagship Credit Acceptance and CarFinance Capital merged into a single, national automotive direct and indirect lending company. As a result, has emerged as Flagship's direct lending arm.

Headquartered in Irvine, California, with offices in Irving, Texas, has a long history of working in the non-prime auto market. Their team of automotive lending professionals have helped tens of thousands of borrowers with less than perfect credit finance the purchase of a new or used car, truck or SUV, or save money by refinancing their existing auto loan. The entire process is completed virtually online, directly with, and personal information is kept private, safe and secure. is authorized to do business in 46 states. Visit to learn more about the direct lending products available to borrowers.

Portfolio Services

Portfolio Purchases

Flagship is a full-spectrum purchaser of bulk portfolios in the auto lending market. Through its proprietary risk assessment and evaluation models, Flagship has the ability to quickly analyze and review a portfolio and offer attractive pricing, with very fast funding – in many cases within 30 days of initial review.

Flagship's Bulk Purchase Program team is led by an experienced management team with over 30 years of ongoing experience building, acquiring, operating, and managing non-prime loan portfolios. The team specializes in evaluating the risk and value of third-party originated portfolios and has purchased well in excess of $1 billion during their careers.

As a privately funded, independent finance company, Flagship offers a unique ability to structure creative purchases to meet the needs of today’s selling institutions.

Flagship has successfully worked with sellers seeking short-term liquidity, an ongoing purchase partner, the winding down of operations or capabilities, or long-term lending partnerships.

If interested in participating with Flagship in our direct lending business, please complete the form below and one of our representatives will be in touch with you shortly.

Fair Lending Commitment

Flagship takes its commitment to Fair Lending and all forms of legal and regulatory compliance very seriously.

If you are a customer or borrower and have an issue or concern, we want to hear from you:   

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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.


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.