BHPH United - Buy Here Pay Here Dealer Education and Training for Subprime Auto Financing In House Financing Lease Here Pay Here Operations Compliance Leadership Marketing and Dealer Success Nationwide

Master the fundamentals and the fine points of in house auto finance with our Buy Here Pay Here Dealer Training Program. Built for independent used car dealerships, this program connects practical operations training with current compliance, underwriting, collections, and portfolio performance strategies. Learn how to structure deals responsibly, price inventory, set payment policies, manage delinquencies, and use technology for better visibility across sales, service, and accounting. Sessions combine step by step instruction, real store examples, and data driven tools you can apply the same day. Whether you operate one rooftop or multiple locations, you will gain proven methods to increase gross, protect cash flow, and strengthen customer outcomes while staying aligned with federal and state rules. Explore related education paths like Buy Here Pay Here Operations Education and Used Car Dealer Profitability Training to build a plan that fits your team.

After reviewing the curriculum, map sessions to your current goals, such as underwriting discipline, payment performance, inventory turn, or technology integration. The program is designed to align with your market, whether urban or rural, and offers options for regional training. Learn more about instructors, event formats, and schedules by visiting About Us, Education and Events, and the 2025 Event Agenda. For ongoing insights, explore the Blog and Research resources.

What the Buy Here Pay Here Dealer Training Program Covers

The Buy Here Pay Here Dealer Training Program is a comprehensive path for independent used car operators who extend in house financing. Every module is built to improve day to day execution, reduce risk, and raise long term portfolio value. You will connect sales, underwriting, deal structure, collections, and service into one accountable operating system supported by data and clear processes. The approach blends classroom style learning, hands on exercises, and case studies taken from real stores so your team can implement changes quickly and measure results with confidence.

Training is aligned with current regulatory expectations and practical store realities. You will learn how to create and document policy, coach consistent behavior on the floor and in the call center, and manage exceptions with transparent reporting. Content flexes for single point dealers and multi location groups and highlights staffing models, leadership rhythms, and technology integrations suited to your size and growth stage.

Who Will Benefit

This program is ideal for owners, general managers, finance leaders, sales managers, underwriters, collectors, and service managers who must collaborate to protect cash, serve customers, and maximize turn and gross. New entrants will gain a solid foundation, while experienced teams will sharpen processes and align cross functional accountability.

Owners and executives aligning strategy, capital, and risk policy
Sales and F&I teams improving approvals, disclosures, and delivery quality
Underwriters and verifiers building consistent, documented credit decisions
Collections and recovery leaders driving early stage cures and portfolio health
Accounting and controllers reconciling cash, notes, and loss recognition
Service leaders connecting reconditioning, warranty, and customer retention

Core Curriculum Pillars

Build your roadmap by selecting modules across the pillars below. Each pillar references deeper courses you can explore for team development and role based mastery.

Operations and process control: BHPH Operations Education and Used Car Dealer Operations Training
Underwriting and deal structure: BHPH Underwriting Education and Dealer Underwriting Education
Collections and payment performance: BHPH Collections Training and Payment Performance Education
Compliance and audit readiness: BHPH Compliance Education, State Compliance Education, Federal Compliance Training
Profitability and capital strategy: BHPH Profitability Training and Dealer Capital Strategy Education
Technology and accounting: Technology Integration Training and Dealer Accounting Training Education
Sales, marketing, and customer retention: Dealer Sales Training Education, Marketing Strategy Education, Customer Retention Training

Learning Outcomes You Can Measure

Participants leave with documented policies, checklists, and scorecards that translate directly to daily execution. You will define underwriting tiers, proofing and stip workflows, and payment options that fit your risk appetite. You will implement calendar based collections strategies that start on day one of the loan, not day thirty, and use segmented tactics by risk group to reduce skip and charge offs. On the operations side, you will install a weekly operating rhythm, cross department huddles, and month end reconciliation routines that improve control without slowing sales.

Lower first payment defaults and faster first cure rates
Smoother approvals and funding speed through better verification and documentation
Improved compliance documentation and audit readiness
Higher inventory turn and more predictable gross per retail unit

Delivery Options and Event Formats

Training is available through live workshops, regional intensives, and conference sessions. To see upcoming opportunities, visit Education and Events and review the 2025 Event Agenda, 2025 Featured Speakers, and Summit Agenda. If you are building a long term pathway for your store, the Dealer Workshops and Training library and Dealer Education Resources provide ongoing support and refreshers between live sessions.

Regional and Topic Tracks

Choose a regional track to tailor examples and benchmarks to your local market. Regional sessions incorporate state level guidance and current economic data so you can calibrate pricing, advances, and payment settings to realistic customer capacity.

Mid Atlantic: BHPH Training Mid Atlantic and Subprime Training Mid Atlantic
Southeast: BHPH Training Southeast and Subprime Training Southeast
State focused options: Florida, Texas, Pennsylvania, North Carolina, South Carolina

Compliance Confidence Without Guesswork

Compliance training focuses on both federal and state expectations and the practical workflows that bring policy to life. You will learn how to document credit evaluation, adverse action, customer communication rules, payment handling, privacy, and repossession steps. Templates and examples help you align your in store process, digital tools, and vendor relationships with your policies.

BHPH Federal Compliance Education and Federal Compliance Training
State Compliance Training and Independent Dealer Compliance Education
Audit readiness tools: BHPH Audit Preparedness Training and Used Car Dealer Audit Preparedness Education

Profitability and Portfolio Performance

The heart of BHPH profitability is disciplined underwriting, right car for the customer, consistent payment experience, and fast action on risk. Your training will connect inventory economics to advance, down payment, and term, then to early stage collections and recovery strategy. You will also review portfolio analytics including delinquency flow, vintage curves, liquidation loss, and cost to collect so you can allocate staff and technology to the highest return levers.

Technology, Data, and Accounting Integration

Modern BHPH operations rely on accurate data flow between your DMS, payment platforms, GPS or telematics, call center systems, and accounting. Training shows how to standardize data inputs, reconcile cash and note balances, and create dashboards for daily leadership huddles. You will see practical examples of collections queue design, promise to pay management, and right person right time outreach powered by segmentation and workflow automation.

BHPH Technology Integration Education and Dealer Technology Training Education
Finance and accounting alignment: Finance Operations Training and Dealer Accounting Training Education
Service integration and retention: Service Operations Training and LHPH Service Operations Training

Leadership, Staffing, and Culture

Great process needs great people. Leadership modules focus on hiring profiles for underwriting, collections, and sales, including scorecards for interviews and training plans for the first ninety days. You will implement daily and weekly leadership rhythms across sales, F and I, service, and collections, and build incentive plans that encourage the right behaviors. Communication frameworks help your team set clear expectations with customers at delivery and through the life of the account.

Dealer Leadership Development Training and BHPH Leadership Training
Staff development and HR: Dealer HR Training Education and BHPH Staff Training Development

Real World Tools You Will Take Back to the Store

Every participant leaves with checklists, calculators, and policy templates. You will receive a payment setting model that ties vehicle cost, customer income, and term to an affordable and enforceable plan. Collections playbooks include first day welcome calls, payment reminders, broken promise protocols, and decision trees for extensions, deferrals, reinstatement, and repossession. Compliance examples include adverse action letters, privacy notices, and disclosure checklists that map to state and federal expectations.

Ongoing Resources and Industry Insights

Between sessions, stay sharp with timely articles, research, and peer learning opportunities. The Blog and Dealer Industry Insights Education cover changing market conditions, cost trends, and new rules. For deeper dives, visit Dealer Practical Training, Dealer Advanced Operations Training, and Dealer Performance Optimization Education. If you are exploring LHPH as an adjacent model, review Lease Here Pay Here Dealer Training Program and related courses.

Helpful Links

Frequently Asked Questions

Owners, general managers, sales and F and I leaders, underwriters, collectors, accounting staff, and service managers benefit from this program. Modules are organized so each role can learn core skills and practice cross department alignment to improve customer outcomes and cash flow.

Content is delivered through live workshops, regional intensives, and conference sessions supported by templates and tools. Time varies by track. Most teams complete a core path in several focused sessions, then add advanced topics and refreshers as needed across the year.

Yes. The curriculum includes federal requirements and state specific guidance. You will receive policy templates, disclosure checklists, and audit readiness tools. Explore BHPH Federal Compliance Education and State Compliance Training for details.

Collections modules include call guides, broken promise protocols, segmentation strategies, and decision trees for extensions, deferrals, reinstatement, and repossession. See BHPH Collections Training and Real World Collections Training.

Yes. Tracks for multi location operators focus on scalable policy, staffing models, and reporting. You can pair core modules with BHPH Multi Location Operations Training and Dealer Growth Strategy Training to match your expansion plan.

Modules on technology and accounting show how to standardize data inputs, reconcile cash and notes, and build dashboards. For deeper integration topics, see Technology Integration Training and Dealer Accounting Training Education.

For dates, formats, and instructors, review Education and Events, the 2025 Event Agenda, and 2025 Featured Speakers. Stay current between sessions through the Blog and Dealer Education Resources.