At Flagship, we understand
the power of "yes"


Customer Resources

Whether you’re seeking answers to questions, looking to speak with someone directly, or just trying to sift through the auto loan process, we have resources available.


The top questions asked by our existing Flagship customers are answered here.

How do I know what type of title will be received after I pay off my loan?

Because every state has its own title procedure, it's best to defer to your local Department of Motor Vehicles' website. To help explain some of the methods your state may use to release a lien, we've outlined a few definitions below for reference:

Paper Title: Paper titles are physical titles. Shortly after purchasing your vehicle and depending on the state where you reside, that title may have been mailed to you or to Flagship Credit Acceptance.

Lien Card/Lien Release: If you reside in a state where the title was mailed to you directly at the time of purchase, Flagship Credit Acceptance will release the lien via a Lien Card or Lien Release letter at the time of payoff. To remove our lien from the title, upon receipt of the card/letter, it, along with the title should be presented to the local DMV office .

Electronic Record: Some states do not print a title until after the account is paid in full. Flagship Credit Acceptance will send a lien release as directed by the customer. Upon receipt, the the lien release should be presented to the state, where title paperwork will be produced.

Electronic Title: Some states no longer use a paper title process. The lien is filed electronically, and Flagship Credit Acceptance is notified of the lien electronically. Upon payoff, Flagship Credit Acceptance will notify these states of the lien release. Upon notification, depending on the state, some states will immediately release a paper title. Other states do not require the customer hold a physical paper title. Should the customer require one, it would need to be requested from the state.

My temporary tag from the dealer has expired. What do I do?

Contact the dealership where your vehicle was purchased to inquire if your paperwork has been processed with the state. Each state and dealership has a different timeline for processing this request, and the dealership may need to procure a new temporary tag for your vehicle.

I have moved to a different state and need to get tags for my vehicle. What should I do?

Contact your local tax office or Department of Motor Vehicles to determine which department handles vehicle registrations. Before visiting, see if an appointment can be scheduled. At the appointment, advise the office of your newly established residency and present all applicable paperwork for the vehicle -- which should reflect Flagship Credit Acceptance as the lien holder -- as well as any other documentation required (see local guidelines). 

I recently paid off my loan. When will I receive my title?

For the certificate of title or lien satisfaction to be mailed, the payoff must be successfully posted to your account and the account is fully satisfied. Once these terms are met, the certificate of title or lien satisfaction will be sent to the authorized party -- a.k.a. the person or entity that paid off the loan -- in accordance with state-specific regulations. .

How will I know if my online payment has been received?

Once a payment has been successfully submitted, 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 should encounter issues while attempting to process a payment online, please call us at 800.327.8543.

Can I set up recurring payments on-line?

Yes. Recurring payments can be setup to be deducted directly from your checking account on a monthly basis. To get setup, click here where you'll be redirected to our payment processor. 

How do I make a payment online?

To register your account, submit payments, etc, click the following link where you'll be redirected to our payment processor.

Where do I find my account number?

Your account number is located on your statement on the right hand side of the page.

What information do I need to access my account information?

You will need your 11 digit account number -- located on your statement on the right hand side of the page -- the last four digits of the primary account holder’s social security number, and the zip code of the billing address.

May I refinance my contract?

Flagship Credit Acceptance does not offer refinancing on existing Flagship loans. To receive more information, please contact one of our account managers toll free at 800.327.8543.

May I change my payment due date?

You may request a due date change of up to 15 days from the original due date, or as late as the 25th of the month. To request such a change, please contact Flagship's account management department at (800) 327-8543.

**Please note: Alterations to due dates are permanent.**

May I skip a payment?

In accordance with your contract, payments are due monthly, on/before the scheduled due date. 

If you are facing a hardship and believe you cannot make your monthly payment on time, please contact a Flagship account manager to discuss your situation, 877.201.1333.

At what point will I be charged a late fee?

The number of days past due before a late fee is incurred is dependent on the state where you reside and the specific terms of your agreement. As an 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, whereas another state may offer more or less time. Bear in mind that interest continues to accrue on your principal balance, including the past due amount.

For reference, 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?

Refer to your contract to determine the number of days grace you may have before a late charge is assessed. 

Bear in mind 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.

Do you accept payments by phone?

Yes. We accept payments via telephone using a personal checking account, personal savings account, debit or credit cards. Call us toll free at 800.327.8543 and have your card information or bank routing number and check numbers available. 

**Please note there is a $10.00 fee for this service.**

Will funds be drafted from my account the day they are received?

Any payments made before 8:00 PM Eastern  -- 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 following payment being posted.

May I have my payment automatically deducted from my checking or savings account?

Yes. We offer a free automatic payment plan to qualified customers. To enroll in automatic payments click here, where you'll be redirected to our payment processing center.

How do I request my payment history?

Please contact us at 800.327.8543

Where do I mail my payoff check?

Send payoff checks to the following address:

Flagship Credit Acceptance

P.O. Box 975658

Dallas, TX 75397-5658

**Mailed payments only accepted at this location.**

If you wish to send your payoff check via overnight mail, certified mail or Next Day Air, please send it to:

Flagship Credit Acceptance

8616 Freeport Pkwy Suite 2B

Irving, TX 75063

How do I request the amount required to pay off my account?

Please contact us at 800.327.8543 to obtain an updated payoff amount.

Where should I mail my payment?

You should mail your payment to the address on the remittance portion of your monthly statement. If you do not have the remittance portion of your statement, send your payment to the processing center below:

Flagship Credit Acceptance

P.O. Box 975658

Dallas, TX 75397-5658

**Mailed payments only accepted at this location.**

If you wish to send a payment in the form of a personal check, cashier’s check or money order via overnight mail, certified mail or Next Day Air, please send it to:

Flagship Credit Acceptance

8616 Freeport Pkwy Suite 2B

Irving, TX 75063

Will I receive a coupon book?

No. You will receive a monthly statement – usually two weeks prior to your payment due date.

I received an insurance check for repairs to my vehicle. In order for me to make payment to the body shop and claim my vehicle, Flagship Credit Acceptance must endorse the check. How do I go about getting a signature from Flagship Credit Acceptance?

Please contact us at 800.327.8543.

How do I handle an insurance claim due to physical damage?

Please contact us at 800.327.8543. Have the following information available when you contact us: Insurance Agency Name, Insurance Agent Name/Contact Name, Insurance Agent Phone Number, and Date of Loss.

What are the hours of operation for Customer Service?

Our hours of operation are as follows:

Monday through Friday 8:00 AM – 8:00 PM EST

Military Lending FAQs

Questions about Servicemembers Civil Relief Act (SCRA)?

If you have questions about the Servicemembers Civil Relief Act please see the following PDF.

View PDF

note this link is provided by the Department of Justice.

What do I need to do for a PCS?

If you are going through a permanent change of station, please update your contact information by emailing us at or by calling 800.327.8543

How do I locate a Flagship approved dealership?

Please call one of our Service Member Relationship Managers at 800.644.8565

What do I do if I leave the military while still paying on a Flagship loan?

Please contact our customer service department to update your contact information at 800.327.8543 or email us at

Educational Resources

Don’t know where to start? We have resources that are designed to steer you in the right direction.

Have a question that isn’t covered here?

Please reach out & Get In Touch

Quick Access Information

Payment Center

( Serviced by ACI)

( Navigator Customers)

Past Due Payment Center

Flagship Credit Acceptance
PO BOX 2070
Coppell, TX 75019-2070

Insurance Loss Payee
Flagship Credit Acceptance
PO BOX 965
Chadds Ford, PA 19317

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, employees, 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 employees, 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 1.800.707.0114 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.