for Used Car and BHPH Growth
Build a stronger, more profitable dealership with our Subprime Auto Dealer Training Program. Designed for used car and Buy Here Pay Here operators, this practical program focuses on real store execution across underwriting, collections, compliance, marketing, payment performance, and leadership. Whether you run a single rooftop or manage multiple locations, you will learn step by step processes to lower risk, improve approvals, increase kept rates, and elevate customer retention without sacrificing compliance.
Our instructors bring hands-on retail, portfolio, and regulatory experience to help your team align policies, pricing, and processes. Courses are structured for sales, finance, collections, service, accounting, and management so each role gains clear playbooks and KPIs. Explore related tracks like subprime underwriting, collections strategy, and risk management, and connect with ongoing learning opportunities through our education network. If you serve nonprime and deep subprime customers, this program was built for you.
Use this page to register members of your dealership ASAP!
ONLY $299 For Each Addt'l Dealership Attendee
CAESARS ROOMS DISCOUNTED TO $189 a night
(Plus Resort Fee)
This training bridges the gap between theory and the sales floor. You will see how top-performing dealers standardize credit policy, tighten inventory and pricing strategy, raise gross while protecting the paper, and meet federal and state rules. Keep learning with resources on pages like blog, education-and-events, about-us, and contact-us for more insight and support.
What the Subprime Auto Dealer Training Program Delivers
Subprime success is built on disciplined underwriting, consistent sales processes, calibrated inventory, and rigorous collections and compliance. Our program gives you proven frameworks to execute every day with clarity. From credit policy design to collections call cadence, from digital marketing to service and reconditioning, you will gain a set of operating standards you can measure and manage.
Who This Program Is For
This program is a fit for independent used car dealers, BHPH and LHPH operators, and franchise stores with a nonprime department. Ideal participants include owners, general managers, finance and underwriting leaders, sales managers, collectors, portfolio managers, compliance officers, controllers, and service managers who support delivery and post sale performance.
- Operators moving into subprime or expanding nonprime approvals while managing loss exposure
- Teams seeking stronger payment performance, lower delinquencies, and better recoveries
- Stores standardizing policies, playbooks, and metrics across multiple rooftops
Core Competencies You Will Build
- Subprime credit policy and underwriting: income verification, stability scoring, PTI and DTI targets, structure strategy, and stip management. See subprime-underwriting-training.
- Collections strategy and payment performance: segmentation, call cadence, roll-rate control, extensions, rewrites, and recoveries. Explore subprime-collections-strategy-education.
- Compliance and regulatory readiness: ECOA, FCRA, GLBA safeguards, UDAAP, TCPA, and state specific rules. Visit dealer-compliance-best-practices, federal-compliance-training-for-dealers, and subprime-state-compliance-training.
- Inventory and pricing strategy: ACV discipline, recon budgets, price to payment alignment, and aging controls. See used-car-dealer-inventory-management-training and used-car-dealer-pricing-strategy-education.
- Subprime marketing and sales process: lead mix, appointment setting, TO process, and menu presentations. Review subprime-marketing-strategy-education and dealer-sales-training-education.
- Portfolio management and risk: early warning indicators, static pool analysis, and loss forecasting. Visit dealer-portfolio-management-education and subprime-risk-management-education.
Program Structure and Delivery
Training is delivered through modular sessions that combine instruction, examples, and work templates you can deploy immediately. Live virtual classes support role based cohorts. Onsite workshops are available for process builds, system configuration, and team coaching. Many dealers blend a virtual series with an onsite process lab to accelerate adoption and accountability.
- Role specific learning paths for sales, F&I, underwriting, collections, compliance, accounting, and service
- Repeatable checklists, scripts, call guides, KPI boards, and audit worksheets
- Post training clinics and peer sessions for real world troubleshooting. See dealer-peer-learning-education and dealer-workshops-and-training.
Measured Outcomes You Can Track
We align training to the operating metrics that matter. Each topic links to specific KPIs and variance analysis so your team monitors performance and acts quickly. By standardizing definitions and cadence, your reports tell a consistent story across the store and the portfolio.
- Approval rate and look-to-book by risk band, stip turn time, and funded time
- PTI, advance, and first payment default rates by channel and structure
- Roll rates, 30-59 and 60-89 buckets, loss severity, and recoveries net of cost
- Inventory aging, recon cycle time, and price-to-payment coverage
Compliance and Controls Without Slowing Sales
The program integrates compliance into normal workflows so your team can sell and collect while meeting rules. We map your process to federal and state requirements, build risk based monitoring, and prepare you for exams and audits with documentation that proves your intent and execution.
- Advertising, credit application, adverse action, and record retention standards
- Safeguards and privacy controls for customer information and vendor oversight
- Call and text compliance with consent management and revocation handling
For extended guidance visit subprime-compliance-training, federal-compliance-training-for-dealers, and dealer-compliance-best-practices.
Inventory, Pricing, and Service Operations
Vehicle selection and recon drive payment fit and portfolio outcomes. We show you how to choose trims that balance demand, durability, and ACV, how to cap recon spend by segment, and how to integrate a reconditioning process that shortens cycle time and protects gross while reducing comebacks. Tying price to payment bands and approved structures ensures you protect the paper while closing deals at speed.
Explore more on used-car-dealer-service-operations-training, used-car-dealer-inventory-management-training, and used-car-dealer-pricing-strategy-education.
Sales, Marketing, and Customer Experience
Subprime customers buy solutions to transportation and budget problems. Training aligns your marketing message to qualification, creates clear appointment and TO flows, and equips sales with discovery questions and payment first presentations. We emphasize transparent menus, expectation setting, and delivery checklists to reduce early stage churn and boost kept rates.
- Lead mix balancing across organic, paid search, social, and partner sources
- Appointment confirmation scripts and show rate scorecards
- Menu and delivery process that supports first payment on time and retention
Find complementary content at dealer-marketing-training-education, dealer-customer-experience-education, and subprime-marketing-strategy-education.
Portfolio, Profitability, and Capital Strategy
Strong portfolio management turns sales activity into lasting profitability. We help you define capital allocation, monitor static pool performance, calibrate pricing and fees, and manage charge off timing with a documented policy set. You will understand how to link structure to collections cost and loss expectations so your gross is real and repeatable.
- Static pool, early delinquency triggers, and cohort analysis by source and structure
- Funding strategy, cash velocity, and turns aligned to inventory and marketing budgets
- Write off, recovery, and sale of charged off accounts policy with controls
Deepen your plan with subprime-profitability-education, dealer-capital-strategy-education, and dealer-portfolio-management-education.
Technology and Integration
We help you align your DMS, CRM, dialer, payment tools, and compliance systems with your playbooks. Clean handoffs and consistent data entry reduce rework and compliance risk while creating a reliable source of truth for KPIs and audits.
- Required fields and validation for apps, stip tracking, and deal structure
- Call disposition codes that match collection strategies and roll rate reporting
- Secure document storage with retention and access controls
Learn more at used-car-dealer-technology-integration-training and subprime-technology-integration-training.
Regional and Specialized Learning Paths
Regulations and practices vary by region. We provide learning tracks that highlight state and market differences while preserving your core standards. Whether you operate in the Southeast, Mid Atlantic, or beyond, your team will know how to apply the same process and adapt where rules or market inputs differ.
- See regional options: subprime-training-southeast and subprime-training-mid-atlantic
- Explore broader dealer education at subprime-auto-dealer-education and used-car-dealer-education
Helpful Resources
Continue your research with these resources and related programs.
Subprime Auto Dealer Training Program FAQs
Explore Related Programs
If you are also operating BHPH, you may benefit from the pages buy-here-pay-here-dealer-training-program, buy-here-pay-here-operations-training, and buy-here-pay-here-collections-training. For a broad view of dealer education, visit dealer-education-resources and dealer-advanced-operations-training.
Have questions or want more details about the program structure, scheduling, or role based paths? Visit contact-us. To learn about our team background and industry involvement, see about-us and education-and-events.
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