Does the program include templates and checklists?

Yes. Attendees receive a lease structure calculator, credit policy template, collections scripts and logs, a reinstatement framework, a compliance checklist, a training log template, and a KPI dashboard starter to put lessons to work immediately.

How does the training address state specific requirements?

The curriculum provides a federal baseline and a method to map your state rules, forms, taxes, and fees. State modules such as Texas, Florida, and North Carolina help you build location specific policies.

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

Q: What KPIs should an LHPH dealer track first?

Track first 90 day on time payment rate, voluntary and involuntary return rate, promise kept rate, right party contacts per hour, and static pool loss. These indicators predict cash flow and loss early and guide coaching and policy changes.

Build a stronger Lease Here Pay Here dealership with a training program designed for real operations, real compliance, and real profitability. Our lease here pay here dealer training program aligns leadership, sales, underwriting, collections, service, and accounting so your entire team understands the lease model from lead to vehicle return. You will get step by step playbooks, state focused compliance frameworks, and practical tools to protect margins and improve customer success. Explore related resources like Lease Here Pay Here Dealer Education, upcoming Education and Events, and insights on our Blog. Meet the trainers and peer network on Meet Us, and learn how this program complements Buy Here Pay Here Dealer Training Program content for multi model operators.

Program Overview

The Lease Here Pay Here dealer training program is a practical pathway to consistent performance across your lease portfolio. It covers the fundamentals of lease structure, collections strategy, regulatory requirements, and the unit economics that drive sustainable growth. The curriculum is designed for owners, general managers, finance and collections leaders, and compliance managers who need real world tools they can use immediately. Attendees gain clarity on how to set the right lease terms, how to underwrite for durability, how to execute a respectful collections process that improves payment behavior, how to manage returns and recoveries efficiently, and how to use data to reduce chargeoffs.

What You Will Learn

Lease structure fundamentals, including term length, mileage, fees, residual strategy, and tax handling
Credit policy and underwriting designed for payment durability and customer fit
Daily, weekly, and monthly collections workflows and communication playbooks
Portfolio KPIs that matter in LHPH, and how to build dashboards that drive action
Federal and state compliance frameworks specific to leasing, including documentation and audits
Return, repossession, reinstatement, and remarketing processes that preserve asset value
Service and reconditioning strategies that extend vehicle life and protect margins

Curriculum Modules

LHPH Operations Blueprint: End to end workflows from lead to lease return
Lease Structure Education: Payment calendar, fees, residuals, and disclosures with clear customer messaging, supported by Lease Structure Education
Credit Policy and Underwriting: Aligning DTI, stability, and vehicle selection with Credit Policy Education
Collections Excellence: Call cadence, payment options, and skip strategies with Collections Training and Payment Performance Education
Compliance and Audit Readiness: Policies, training logs, and testing supported by Regulatory Compliance Training and Audit Readiness Education
Vehicle Acquisition and Inventory: Buying to a lease, trim packages, warranty strategy, and aging controls with Vehicle Acquisition Training and Operations Best Practices
Portfolio Management: Static pools, loss forecasting, and renewal strategy via Portfolio Management Training

Compliance and Risk Management

Leasing carries a distinct regulatory profile. The program clarifies the federal and state rules that typically apply to Lease Here Pay Here, how they differ from retail installment contracts, and what your team must do to stay documentation ready. You will learn how to build policies that match your specific jurisdiction, maintain evidence of training, monitor vendor performance, and prepare for audits without scrambling.

Required disclosures, adverse action handling, privacy and data security expectations, and record retention
Lease return statements, reinstatement options, and lawful fee assessment guidelines
State level training pathways: Texas, Florida, North Carolina, and more on Subprime Regulatory Guidance

You will also see how compliance integrates with daily operations so the customer experience stays clear and consistent from lead to contract to final disposition. Explore deeper coverage in Compliance Education and Legal Compliance Education.

Collections and Payment Performance

Your lease portfolio is defined by payment behavior. This program equips collections teams with a respectful, structured process that creates predictable results. You will learn how to segment accounts by risk, time outreach to when customers are most available, use channels customers prefer, and present options that keep them in the vehicle while protecting your asset.

Daily collector scorecards and weekly huddles that move accounts forward
Scripts that set expectations clearly and de escalate difficult calls
Extensions, deferments, and reinstatement guidelines that reduce involuntary returns, supported by Reinstatement Strategy Training
Field visit policies, GPS and starter interrupt usage, and documentation standards with Payment Enforcement Training

Strengthen your collectors with additional resources like Real World Collections Training and Collections Best Practices.

Profitability, Pricing, and Capital Strategy

Lease Here Pay Here profitability depends on buying right, structuring right, collecting right, and turning assets efficiently at end of term. The training breaks down unit level economics with templates that model depreciation, repair expense, lease charge revenue, fees, and remarketing yield. You will learn how to set pricing bands that fit your customer base, negotiate capital effectively, and build cash flow projections that lenders respect.

Vehicle pricing and residual strategy aligned to local demand and risk
Line of credit structures, covenants, and reporting that support growth, with Capital Strategy Education
Renewal and step up strategies to improve lifetime value and lower reconditioning strain

Technology and Process Integration

Modern Lease Here Pay Here operations rely on integrated systems. The program covers how to select and implement software for CRM, e contracting, payment processing, GPS, and service scheduling so your team has one version of the truth. You will map handoffs between departments, define data owners, and set up automated reminders that reduce missed steps. See related coverage in Technology Integration Training and Dealer Technology Training Education.

Team Roles, Training, and Leadership

Great outcomes come from aligned teams. You will receive job role scorecards, training plans for new hires, and coaching frameworks for managers. Leadership content focuses on how to hold consistent one on ones, run effective meetings, and use metrics to coach, not just to report. Explore more in Leadership Training and Dealer Leadership Development Training.

Who Should Attend

Owners, general managers, and regional leaders scaling Lease Here Pay Here operations
Finance, underwriting, and collections managers building consistent process and training
Compliance managers preparing for exams and audits

If you run both BHPH and LHPH, pair this path with the Buy Here Pay Here Operations Training to harmonize policies and keep your customer journey consistent across models. For event based learning, review the Summit Agenda, 2025 Featured Speakers, and Who Should Attend.

Key Deliverables and Tools

Lease structure calculator, pricing worksheet, and credit policy template
Collections call guides, payment arrangement logs, and reinstatement policy framework
Compliance checklist, training log template, and audit preparation timeline
Portfolio KPI dashboard starter with cohort analysis

Case Based Learning

Concepts become sticky when you apply them. Each module includes case studies drawn from real store scenarios. You will practice identifying the right lease structure for a vehicle with high mileage but strong service history, reworking a credit policy that approves too many unstable incomes, and redesigning a collections cadence that misses customer pay cycles. Peer discussion creates insight you can take back to your store immediately. For more practitioner content, explore Practical Dealer Education and Dealer Real World Education.

Measuring Success

Performance measurement is essential. The program defines a small, powerful KPI set tied to consistent actions. Instead of dozens of reports, you will track the few indicators that predict outcomes and assign owners to each number.

Approval quality: first 90 day on time payment rate and early extension incidence
Collections productivity: right party contacts per hour and promise kept rate
Portfolio health: static pool loss, voluntary and involuntary returns, and recovery yield

Related Learning Paths and Resources

Frequently Asked Questions

Lease Here Pay Here uses a lease agreement with residual and defined return process, while Buy Here Pay Here uses a retail installment contract. LHPH requires different disclosures, accounting, tax handling, and end of term management. The program addresses each step and shows where policies must differ.

Owners, general managers, collections leaders, underwriting managers, compliance managers, and accounting leaders benefit most. New stores launching LHPH and BHPH operators adding a lease track can use the framework to stand up process quickly and avoid costly missteps.

Yes. You receive a lease structure calculator, credit policy template, collections scripts and logs, reinstatement framework, compliance checklist, training log template, and a KPI dashboard starter so your team can put the lessons to work immediately.

The curriculum provides a federal baseline and a method to map your state rules, forms, taxes, and fees. You can use state modules like Texas, Florida, and North Carolina to build location specific policies.

Start with first 90 day on time payment rate, voluntary and involuntary return rate, promise kept rate, right party contacts per hour, and static pool loss. These indicators predict cash flow and loss early and guide coaching and policy changes.

You will map your tech stack across CRM, e contracting, payments, GPS, and service. The training includes a workflow and data owner map, automated reminder setup, and vendor scorecard so your tools support process and reporting.