In the fast-evolving world of non-prime finance, Buy Here Pay Here (BHPH) dealerships, choosing the right Dealer Management System (DMS) can make or break your profitability, compliance, and customer relationships. While many options serve the independent dealer space, Deal Pack (by ABCoA) stands out as the specialized powerhouse built specifically for Finance Companies, BHPH, and Lease Here Pay Here (LHPH) operations.

With over 42 years of experience serving subprime and in-house financing dealers, Deal Pack delivers unmatched depth in accounting, collections, and risk management. Here’s why many Finance Companies and BHPH operators consider it the top choice.

1. Built Exclusively for BHPH/LHPH – Not an Add-On

Unlike general DMS platforms that bolt on BHPH features, Deal Pack was designed from the ground up for dealerships that handle in-house financing. It automates complex processes like:

• Receivables transfers
• Irregular payment tracking
• Promise-to-pay monitoring
• Multi-branch, real-time accounting (including balance sheets, income statements, and trial balances)

This specialization means fewer workarounds and less double-entry compared to broader systems. Real-time financials give you instant visibility into your portfolio performance – crucial when managing high-risk subprime loans.

2. Industry-Leading Collections and Payment Tools

Collections are the lifeblood (and biggest headache) of BHPH. Deal Pack excels here with:

• Omni-channel payment platform → Accept ACH, credit/debit cards, Venmo, PayPal, ApplePay, GooglePay, CashApp, and cash payments in person, over the phone, online, and by text
• Automated payment reminders (text/email/voice)
• AI-powered Collections automates and improves collections (in any language)
• The best-in-class two-way SMS integration for personalized, professional communication

These tools help boost on-time payments, reduce delinquencies, and expand your reach beyond local customers. Modern payment flexibility is essential as BHPH evolves beyond cash/check reliance.

3. Rock-Solid Compliance and Audit-Proof Accounting

BHPH dealers face intense scrutiny from regulators (CFPB, IRS, state laws). Deal Pack shines with:

• Built-in compliance tools for repossessions, complaints, and UDAAP prevention
• Tax-compliant accounting that handles diverse scenarios
• A proud claim: Customers properly using Deal Pack have never lost an IRS audit
• Full integration for F&I products (recently enhanced with GWC Warranty partnerships)

This level of reliability provides peace of mind and helps secure better funding from floorplan lenders who value clean, standardized financials.

4. Integrated CRM, Marketing, and Operations

Deal Pack includes cyclCRM for seamless lead follow-up, automated campaigns, and repeat business nurturing – all without leaving the platform. Additional highlights:

• Hundreds of customizable reports with direct Excel export
• Mobile dashboards and subprime analytics
• Support for LHPH transitions (increasingly popular for tax advantages in states like Illinois)
• Unlimited free training and strong customer support reputation

Users praise its ability to eliminate double-entry and its value for small-to-mid-sized BHPH operations.

5. Proven Track Record and Real User Feedback

With 42+ years in the industry, millions of engineering hours, and awards for “Best Accounting Software” and “Leader in Auto Dealer Software,” Deal Pack has earned trust. Reviews highlight:

• “Reliable and easy-to-use reports to track performance”
• “Integrates accounting, sales, finance, and service perfectly”
• “The value given to a small dealership cannot be matched”

While some competitors offer lower entry prices, Deal Pack delivers deeper BHPH-specific functionality that pays off in reduced defaults, better cash flow, and stronger portfolios.

Final Thoughts: Is Deal Pack Right for Your BHPH Dealership?

If you’re serious about scaling a Buy Here Pay Here operation with robust in-house financing, advanced collections, ironclad accounting, and future-proof tools (including LHPH support), Deal Pack is hard to beat. It’s not just software – it’s a complete ecosystem built by people who truly understand the unique challenges of serving subprime customers.

Ready to upgrade your DMS? Visit the official Deal Pack website to schedule a demo and see how it can transform your dealership’s efficiency and profitability in 2026 and beyond.

What challenges are you facing in your BHPH operation? Share in the comments – we’d love to discuss how specialized tools can help!