Quick Overview
- 1#1: BHPH360 - All-in-one cloud-based platform designed specifically for Buy Here Pay Here dealerships, offering sales, financing, collections, compliance, and reporting tools.
- 2#2: DealerCenter - Cloud-based dealership management system with integrated BHPH financing, payment processing, collections, and CRM features.
- 3#3: ACS PayPlan - Advanced collections management software optimized for BHPH dealers, including dialers, skip tracing, payment plans, and portfolio analytics.
- 4#4: IDMS - Full-featured dealer management system tailored for BHPH operations, covering contracts, accounting, inventory, and collections.
- 5#5: Collection Advantage - Specialized collections software for BHPH auto dealers with predictive dialing, customer portals, and delinquency management.
- 6#6: RouteOne - Digital origination and servicing platform that streamlines BHPH deal structuring, contracting, and compliance.
- 7#7: Tekion - Cloud-native automotive retail cloud supporting BHPH financing, service contracts, and end-to-end dealership workflows.
- 8#8: Autosoft DMS - Comprehensive DMS with BHPH modules for portfolio management, payment tracking, and integrated accounting.
- 9#9: Dealertrack - Platform providing compliance, menu selling, and financing tools essential for BHPH contract processing and e-contracting.
- 10#10: EVO CARS - Integrated dealership software with BHPH capabilities for inventory, sales, financing, and performance reporting.
Ranked based on tailored features for BHPH workflows, user experience, performance reliability, and overall value, ensuring alignment with the unique demands of dealership operations.
Comparison Table
Buy Here Pay Here (BHPH) software is vital for managing dealership workflows, and this comparison table explores top tools like BHPH360, DealerCenter, ACS PayPlan, IDMS, and Collection Advantage to guide choice. Readers will gain insights into key features, operational support, and suitability, helping them match software to their business’s specific needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | BHPH360 All-in-one cloud-based platform designed specifically for Buy Here Pay Here dealerships, offering sales, financing, collections, compliance, and reporting tools. | specialized | 9.8/10 | 9.9/10 | 9.6/10 | 9.7/10 |
| 2 | DealerCenter Cloud-based dealership management system with integrated BHPH financing, payment processing, collections, and CRM features. | specialized | 8.7/10 | 9.2/10 | 8.1/10 | 8.3/10 |
| 3 | ACS PayPlan Advanced collections management software optimized for BHPH dealers, including dialers, skip tracing, payment plans, and portfolio analytics. | specialized | 8.2/10 | 8.5/10 | 7.5/10 | 8.0/10 |
| 4 | IDMS Full-featured dealer management system tailored for BHPH operations, covering contracts, accounting, inventory, and collections. | specialized | 8.1/10 | 8.7/10 | 7.2/10 | 7.8/10 |
| 5 | Collection Advantage Specialized collections software for BHPH auto dealers with predictive dialing, customer portals, and delinquency management. | specialized | 7.6/10 | 8.1/10 | 7.2/10 | 7.4/10 |
| 6 | RouteOne Digital origination and servicing platform that streamlines BHPH deal structuring, contracting, and compliance. | enterprise | 6.2/10 | 5.8/10 | 8.5/10 | 6.0/10 |
| 7 | Tekion Cloud-native automotive retail cloud supporting BHPH financing, service contracts, and end-to-end dealership workflows. | enterprise | 7.8/10 | 8.0/10 | 8.5/10 | 7.0/10 |
| 8 | Autosoft DMS Comprehensive DMS with BHPH modules for portfolio management, payment tracking, and integrated accounting. | enterprise | 7.8/10 | 8.2/10 | 7.5/10 | 7.0/10 |
| 9 | Dealertrack Platform providing compliance, menu selling, and financing tools essential for BHPH contract processing and e-contracting. | enterprise | 7.8/10 | 8.5/10 | 7.0/10 | 7.2/10 |
| 10 | EVO CARS Integrated dealership software with BHPH capabilities for inventory, sales, financing, and performance reporting. | enterprise | 7.2/10 | 7.4/10 | 7.0/10 | 7.8/10 |
All-in-one cloud-based platform designed specifically for Buy Here Pay Here dealerships, offering sales, financing, collections, compliance, and reporting tools.
Cloud-based dealership management system with integrated BHPH financing, payment processing, collections, and CRM features.
Advanced collections management software optimized for BHPH dealers, including dialers, skip tracing, payment plans, and portfolio analytics.
Full-featured dealer management system tailored for BHPH operations, covering contracts, accounting, inventory, and collections.
Specialized collections software for BHPH auto dealers with predictive dialing, customer portals, and delinquency management.
Digital origination and servicing platform that streamlines BHPH deal structuring, contracting, and compliance.
Cloud-native automotive retail cloud supporting BHPH financing, service contracts, and end-to-end dealership workflows.
Comprehensive DMS with BHPH modules for portfolio management, payment tracking, and integrated accounting.
Platform providing compliance, menu selling, and financing tools essential for BHPH contract processing and e-contracting.
Integrated dealership software with BHPH capabilities for inventory, sales, financing, and performance reporting.
BHPH360
specializedAll-in-one cloud-based platform designed specifically for Buy Here Pay Here dealerships, offering sales, financing, collections, compliance, and reporting tools.
Advanced GPS tracking with remote engine disable and geofencing alerts for superior asset recovery and risk management.
BHPH360 is a comprehensive, cloud-based software platform designed exclusively for Buy Here Pay Here (BHPH) auto dealerships, handling everything from inventory management and deal structuring to collections, accounting, and compliance. It offers advanced tools like GPS vehicle tracking, automated payment processing, custom contract generation, and robust reporting dashboards to optimize operations and profitability. With mobile accessibility and real-time data syncing, it empowers dealers to manage their in-house financing portfolio efficiently from anywhere.
Pros
- All-in-one BHPH solution with unmatched depth in collections and portfolio management
- Intuitive mobile app for on-the-go access to payments and GPS tracking
- Superior customer support and regular updates tailored to industry needs
Cons
- Higher initial setup cost for smaller dealers
- Advanced features may require some training
- Limited native integrations with non-auto specific third-party tools
Best For
Mid-sized to large BHPH dealerships seeking a scalable, feature-rich platform to streamline in-house financing and boost recovery rates.
Pricing
Custom quote-based pricing starting at around $250 per month for basic plans, scaling with inventory size and add-ons like GPS integration.
DealerCenter
specializedCloud-based dealership management system with integrated BHPH financing, payment processing, collections, and CRM features.
Integrated collections suite with built-in skip tracing, payment plans, and delinquency forecasting
DealerCenter is a comprehensive cloud-based dealership management system (DMS) designed specifically for independent auto dealers, with robust Buy Here Pay Here (BHPH) capabilities including in-house financing, collections, and contract management. It integrates inventory, sales, service, accounting, and compliance tools into a single platform, enabling dealers to handle the full BHPH lifecycle from deal structuring to collections and repossessions. The software emphasizes automation for payment processing, skip tracing, and reporting to improve cash flow and reduce delinquencies.
Pros
- Powerful BHPH-specific tools like collections management, spot delivery prevention, and integrated payment processing
- Mobile app for remote collections and inventory access
- Strong compliance features and customizable reporting for regulatory adherence
Cons
- Pricing can escalate quickly with add-on BHPH modules
- Initial setup and learning curve for non-tech-savvy users
- Customer support response times can vary
Best For
Mid-sized BHPH dealerships needing an all-in-one DMS with advanced collections and financing automation.
Pricing
Starts at $199/month for core DMS; BHPH modules add $150-400/month depending on volume; custom quotes for enterprises.
ACS PayPlan
specializedAdvanced collections management software optimized for BHPH dealers, including dialers, skip tracing, payment plans, and portfolio analytics.
Advanced automated collections with built-in skip tracing
ACS PayPlan from ACS Technologies is a specialized Buy Here Pay Here (BHPH) software solution that manages the full lifecycle of in-house financing, including deal structuring, contract generation, payment collection, and delinquency management. It provides robust tools for inventory control, compliance reporting, and integrated accounting tailored to auto dealerships. With features like automated collections and skip tracing, it helps dealers maximize collections while maintaining regulatory adherence.
Pros
- Comprehensive collections suite with skip tracing and automation
- Strong compliance tools for contracts and reporting
- Seamless integration with dealership management systems
Cons
- Dated user interface lacking modern intuitiveness
- Steep learning curve for setup and customization
- Higher cost for smaller dealerships
Best For
Mid-sized BHPH dealerships prioritizing robust collections and compliance over flashy UI.
Pricing
Quote-based pricing, typically $500-$2,000/month depending on dealership size and modules.
IDMS
specializedFull-featured dealer management system tailored for BHPH operations, covering contracts, accounting, inventory, and collections.
Integrated Collections Manager with built-in skip tracing and automated payment posting
IDMS (idms.net) is a veteran dealer management system (DMS) tailored for Buy Here Pay Here (BHPH) dealerships, providing end-to-end tools for inventory tracking, sales processing, in-house financing, collections, and accounting. It excels in handling subprime lending workflows with features like contract generation, payment processing, repo management, and compliance reporting. Deployed primarily as an on-premise Windows application, it emphasizes data security and customization for independent dealers.
Pros
- Robust BHPH-specific tools including advanced collections, skip tracing, and repo tracking
- Highly customizable reports and integrations with credit bureaus/DMV
- Strong customer support and reliable on-premise performance for data control
Cons
- Dated Windows-based interface feels outdated compared to modern cloud DMS
- Requires on-site installation and IT maintenance, limiting remote access
- Steeper learning curve for new users without extensive training
Best For
Established independent BHPH dealerships with in-house IT support prioritizing comprehensive collections and compliance over modern UI.
Pricing
Custom quotes based on dealership size; typically $200-$600/month per location including setup and support.
Collection Advantage
specializedSpecialized collections software for BHPH auto dealers with predictive dialing, customer portals, and delinquency management.
Advanced multi-source skip tracing that aggregates data from over 50 databases for high debtor locate rates.
Collection Advantage is a specialized collections management software tailored for Buy Here Pay Here (BHPH) dealerships and debt collection agencies, focusing on streamlining account receivables, payments, and recovery processes. It provides tools like skip tracing, compliant dialers, client portals, and payment processing to help dealers manage in-house financing portfolios efficiently. While strong in collections, it integrates with some DMS but lacks comprehensive dealership sales and inventory features typical of full BHPH suites.
Pros
- Powerful skip tracing and debtor location tools
- Integrated payment processing with multiple options
- Strong compliance features for TCPA and FDCPA
Cons
- Limited native DMS integration for full BHPH operations
- Interface feels dated and has a learning curve
- Pricing scales quickly with portfolio size
Best For
BHPH dealerships with established sales processes that need robust, compliance-focused collections management for their financing portfolios.
Pricing
Custom quote-based pricing; starts around $495/month for small portfolios, with per-account fees for larger volumes.
RouteOne
enterpriseDigital origination and servicing platform that streamlines BHPH deal structuring, contracting, and compliance.
One-click multi-lender credit submissions with instant decisions
RouteOne is a digital automotive finance platform that streamlines credit application processing by connecting dealers to over 35 lenders for real-time decisions and approvals. It includes tools for menu selling, desking, e-contracting, and form filling, aiding the front-end sales process. While useful for BHPH dealers handling initial credit checks or hybrid financing, it lacks comprehensive in-house portfolio management, collections, and compliance tracking essential for pure BHPH operations.
Pros
- Seamless integration with dozens of lenders for fast credit decisions
- Intuitive digital tools for menu pricing and e-contracts
- Single sign-on platform reduces training time
Cons
- Limited backend BHPH features like collections, skips, and servicing
- High cost for small pure BHPH dealers
- Heavy reliance on external lender participation
Best For
Dealerships with a mix of in-house BHPH financing and third-party lending needs.
Pricing
Custom subscription pricing per dealership, typically $300-$600/month based on volume and features.
Tekion
enterpriseCloud-native automotive retail cloud supporting BHPH financing, service contracts, and end-to-end dealership workflows.
Unified ARCP that provides a single pane of glass for the entire dealership workflow, eliminating data silos.
Tekion is a cloud-native Automotive Retail Commerce Platform (ARCP) that unifies sales, F&I, service, parts, and inventory management for dealerships. For Buy Here Pay Here (BHPH) operations, it offers digital retailing tools, integrated financing workflows, and contract management to streamline in-house lending processes. While powerful for end-to-end operations, it emphasizes digital transformation over specialized BHPH collections features.
Pros
- All-in-one platform reduces need for multiple vendors
- Intuitive mobile-first interface accelerates user adoption
- Strong digital retailing and OEM integrations for efficient deals
Cons
- Pricing can be steep for small BHPH dealers
- Lacks deep specialized tools like advanced skip tracing or collections automation
- Initial setup and customization require significant time
Best For
Mid-to-large BHPH dealerships transitioning to digital operations and needing scalable, integrated management.
Pricing
Custom enterprise pricing, typically starting at $5,000+ per month per location depending on modules and scale; quote required.
Autosoft DMS
enterpriseComprehensive DMS with BHPH modules for portfolio management, payment tracking, and integrated accounting.
Integrated desking and menu-selling tools that seamlessly handle BHPH deal structuring and financing options
Autosoft DMS is a full-featured dealership management system tailored for automotive retailers, with dedicated modules for Buy Here Pay Here (BHPH) operations including contract writing, payment processing, and collections management. It integrates inventory control, CRM, sales desking, and accounting to streamline in-house financing workflows. The platform emphasizes compliance, reporting, and automation to help BHPH dealers manage high-volume, subprime portfolios efficiently.
Pros
- Robust BHPH-specific tools like automated collections and contract generation
- Strong integration with inventory, CRM, and accounting modules
- Comprehensive reporting and compliance features for regulatory needs
Cons
- Pricing is higher compared to BHPH-focused specialists
- User interface can feel cluttered and dated for new users
- Limited advanced analytics for portfolio risk assessment
Best For
Mid-sized BHPH dealerships needing an all-in-one DMS with solid financing capabilities but not ultra-specialized collections automation.
Pricing
Custom quote-based pricing, typically $300-$600 per month based on users, modules, and dealership size.
Dealertrack
enterprisePlatform providing compliance, menu selling, and financing tools essential for BHPH contract processing and e-contracting.
End-to-end loan servicing integrated directly into the DMS for streamlined BHPH collections and reporting
Dealertrack, from Cox Automotive, is a comprehensive dealership management system (DMS) with dedicated modules for Buy Here Pay Here (BHPH) dealers, including loan origination, collections management, and portfolio tracking. It excels in integrating credit bureau pulls, compliance tools, and digital deal processing to handle in-house financing workflows. While robust for mid-sized operations, it may feel enterprise-heavy for smaller BHPH lots.
Pros
- Seamless integrations with credit bureaus, DMV, and payment processors
- Strong compliance and regulatory reporting tools
- Scalable collections and portfolio management
Cons
- High implementation and subscription costs
- Steep learning curve for non-enterprise users
- Overkill features for small single-location BHPH dealers
Best For
Mid-to-large BHPH dealerships seeking an all-in-one DMS with robust integrations and compliance support.
Pricing
Custom enterprise pricing, typically $500-$1,500+ per month per location plus setup fees and add-ons.
EVO CARS
enterpriseIntegrated dealership software with BHPH capabilities for inventory, sales, financing, and performance reporting.
Built-in delinquency management with one-click payment plans and skip-tracing tools
EVO CARS is a dealership management system tailored for Buy Here Pay Here (BHPH) operations, offering inventory tracking, sales desking, in-house financing tools, and collections management. It enables dealers to generate contracts, process payments, monitor delinquencies, and run compliance reports directly from a centralized dashboard. While functional for smaller operations, it focuses on core BHPH workflows without advanced enterprise-level integrations.
Pros
- Affordable pricing suitable for small dealers
- Integrated BHPH collections with automated reminders
- User-friendly interface for daily operations
Cons
- Limited third-party integrations compared to competitors
- Reporting tools lack advanced customization
- Occasional glitches in payment processing reported by users
Best For
Small independent BHPH dealerships seeking a cost-effective, straightforward software without complex enterprise needs.
Pricing
Starts at $150/month for basic plan, scaling to $500+/month for full features with per-user add-ons.
Conclusion
Evaluating the top 10 Buy Here Pay Here software tools reveals BHPH360 as the clear leader, boasting an all-in-one cloud platform integrating sales, financing, collections, compliance, and reporting. DealerCenter and ACS PayPlan stand out as strong alternatives, with DealerCenter offering a comprehensive dealership system and ACS PayPlan excelling in advanced collections management, catering to different operational needs. Ultimately, these tools simplify workflows and enhance efficiency for dealers.
Don’t miss out—try BHPH360 to experience its unified, intuitive approach, or explore DealerCenter or ACS PayPlan to find the solution that best fits your unique dealership requirements.
Tools Reviewed
All tools were independently evaluated for this comparison