Buy here pay here is two businesses

A buy here pay here lot is really two businesses sharing a roof. One sells cars. The other carries loans. They use different software, and any page that pretends otherwise is selling you something.

freeDMS does the first business. It does not do the second. This page is the split, so you can tell in two minutes whether we are useful to you.

The selling half — what runs here:

• Inventory. Cars come in from auction or trade, costs go on the record, prices and age show on one list. Recon work orders live in the same system as the car they belong to.
• Customers and leads. Walk-ins, phone-ups, and emailed leads land in one pipeline, with the follow-up history attached to the person.
• Credit applications. Your buyer fills one out, your desk works it in the system, and the record stays with the deal. The application workflow is built in; pulling a bureau report is not connected yet, so the pull still happens wherever you pull it today.
• The deal itself. Pencil it cash, finance, or lease, build the F&I menu, and close it into a deal jacket with the numbers the same on every page.
• The books. Deals post to a real general ledger, and the accounting exports to QuickBooks format when your bookkeeper wants it there.

All of that is the pilot product, and the pilot is free.

The loan half — what does not run here:

Carrying paper is a weekly grind: who is due, who is late, who promised Friday. freeDMS has none of it.

• No payment schedules. Nothing books a note and tracks what a customer owes you month by month.
• No late list, no collections workflow, no payment posting against a balance.
• No credit bureau reporting for your accounts.
• No GPS or starter-interrupt tools, and no related finance company books.

If you carry two hundred notes, collections is your week, and this product does not touch your week. Keep the system that does — Frazer bundles the whole thing from $129 a month, Wayne Reaves starts at $75 and has done BHPH since before most of us had email, and DealerCenter sells the BHPH piece as a $50 module. They earn that money.

So who is this page for:

• A dealer whose paper lives somewhere else already — sold to a finance company, or carried in a separate system — and whose front end is the mess. The selling half above is a real product, and it is free while the pilot runs.
• A retail independent who found this page by accident. Everything on the selling list is yours too, plus the comparison page shows the math against the systems you are probably paying for now.
• A BHPH dealer deciding what to demand next. Whether freeDMS ever builds the loan book is a decision that has not been made. The dealers in the pilot argue for what gets built through the Ideas box inside the product, in the open. That is the only pitch we can make you, and it is not much of one. The rest of this site is for the dealers we can serve today.