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Consumer Privacy Policy


In today’s marketplace, privacy is a constant concern and at Flagship Credit Acceptance, LLC ("Flagship"), we take this concern very seriously. We want you to understand what our policies are regarding every Flagship product and service that we offer—which includes how we handle the nonpublic personal information that we receive about you.

Flagship collects, uses, and shares certain non-public personal information about you that is described below (“Private Information”). This notice will help you understand what Private Information Flagship collects, with whom we share it, and how we protect it. This policy also explains how we protect the security and confidentiality of your Private Information. This notice applies to current and former customers of Flagship, as well as to consumers who do business with us.

Click here for Flagship’s financial privacy statement: Privacy Policy

Information Collection

Throughout our business relationship with you, you provide us with, and we collect, Private Information about you. The following is a list of the Private Information we collect and maintain about you, and the sources of such information:

Information Sharing

We only share your Private Information as expressly allowed or required by law. We may disclose some or all of your Private Information described above, as follows:

—Effective as of January 24, 2006.

Should you have any questions about the details of any of Flagship's policies, please contact us at 1.800.707.0114 M-F, between 9:00 a.m. and 5:00 p.m. EST.

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.