Flagship Credit Acceptance 1176

Flagship Credit Acceptance’s programs are designed to serve customers who have limited access to automobile financing through traditional lending sources. Many of their customers have experienced prior credit difficulties or have limited credit histories and generally have FICO® scores ranging from 525 to 675. Flagship Credit Acceptance’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.

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

Headquartered in Irvine, California, with offices in Irving, Texas, CarFinance.com 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 CarFinance.com, and personal information is kept private, safe and secure.

CarFinance.com is authorized to do business in 46 states. Visit CarFinance.com to learn more about the direct lending products available to borrowers.

Flagship Credit Acceptance




Reputation & Support




Pricing & Fees





  • Bad Credit OK


  • High APR
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