AutoDealer.io publishes this guide and makes a tool that touches this category, but does not compete with the specialists on it, so we are listed LAST rather than first and our own entry says exactly what we do and do not do. Everything about the other vendors was researched from their own materials and public sources, and every entry is written up to the same template.
Buy here pay here software is really loan servicing software wearing a dealer management system's clothes: the DMS parts (inventory, desking, forms) matter less here than whether the collections engine gets the math right on every single payment. Most platforms in this category do not publish how they compute interest, whether precomputed interest or Rule of 78 is available, or how late fees and NSF reversals are configured, so that has to be a demo question, not a website read. The biggest misunderstanding is treating BHPH software like a nice to have module: get the amortization, late fee or collections logic wrong on a portfolio of a few hundred loans and the error compounds every month it goes uncaught. A second thing worth knowing before you shop: almost none of these platforms process payments themselves, they hand the transaction off to a processor you choose, so ask directly who carries the chargeback risk before you sign.
How we picked
The criteria below were set before the list was written, and they are the only things it judges.
Amortization method support
Simple interest, precomputed interest and Rule of 78 are legally different things, and several states restrict or ban the last two for consumer auto loans. Few platforms say plainly which methods they support and which they refuse to ship.
Late fee and NSF configuration
State law and the retail installment contract set the actual late fee and NSF ceiling, not the software. A platform that hardcodes a fee or ships it turned on by default can put a dealer out of compliance without anyone noticing.
Collections and dunning automation
A borrower two days late needs a different touch than one sixty days late. Look for configurable reminder cadences and a daily delinquency view a manager can act on, not a manual spreadsheet export.
Borrower payment portal
A self-service portal that shows balance, payoff and payment history cuts inbound calls noticeably. Check whether it actually processes the payment or just hands off to the dealer's existing processor.
GPS and starter interrupt integration
Repossession risk is core to BHPH economics, so a dealer running real subprime volume should weigh whether the DMS talks to GPS and starter interrupt hardware, not just stores a VIN.
Credit bureau reporting
Reporting a borrower's on time payments to a bureau can be a selling point for the loan itself. Confirm whether a platform reports at all, and to which bureau, before assuming it is included.
Capabilities and pricing verified August 2026. Vendors change their products and their packaging, so check anything that decides your purchase directly with them.
Best buy here pay here software
The specialists first, then our own tool at the foot of the list with a plain account of where it stops.
1.DealerCenter
Dealers already on DealerCenter's core DMS who want BHPH added as its own priced module.
DealerCenter sells its Buy Here Pay Here module as a standalone product separate from its core DMS, aimed at independent dealers who carry in house paper. It covers portfolio management, collections, related finance company accounts, and a borrower self-service portal, and it reports to Datalinx credit bureau services. The company states more than 20,000 dealerships use its products overall.
Where it is strongest
- The BHPH module is priced and sold on its own at $50 a month, so a dealer can add in house loan servicing without switching off a different core DMS.
- It reports to Datalinx credit bureau services and includes related finance company (RFC) management, both aimed squarely at BHPH and buy sell operators.
- The borrower side includes a self-service portal with real time balances, payoff details and full payment history, plus automated email and SMS reminders.
What to weigh
- The pricing and product pages do not state which amortization method is used or how late fees are configured, so ask directly how simple versus precomputed interest is handled.
- BHPH is billed as its own $50 a month line item on top of the $99 a month core DMS, so the effective monthly cost is higher than the headline BHPH price alone.
Pricing: BHPH module $50 per month, billed separately from the core DMS at $99 per month, per DealerCenter's published pricing page (dealercenter.com/pricing, checked August 2026).
2.Frazer
Independent dealers who want BHPH, accounting and RIC forms in one flat monthly price.
Frazer has sold dealer management software to independent used car dealers since 1985 and lists over 19,000 dealers using it across all 50 states. Buy Here Pay Here is included in the base subscription alongside full accounting and retail installment contract forms, rather than priced as an add-on. It also connects to third party GPS, starter interrupt and credit bureau services for dealers running in house paper.
Where it is strongest
- Buy Here Pay Here ships in the base subscription along with a full accounting suite and retail installment contract forms, instead of being sold as a separate module.
- Frazer connects to GPS and starter interrupt hardware from Advantage GPS, GoldStar GPS and PassTime, letting a BHPH dealer manage repossession risk from the same DMS.
- The company has served independent dealers since 1985 and states over 19,000 dealers use it today, a longer track record than most BHPH specialists in this guide.
What to weigh
- Anywhere access costs more than the entry price: the hosted plan runs $199 a month versus $129 a month for the desktop plan, so cloud access is not included at the headline price.
- The public pricing and BHPH pages do not spell out late fee rules, NSF handling or which amortization methods are supported, so those need to be confirmed on a demo call.
Pricing: Desktop plan $129 per month, hosted plan starting at $199 per month, with BHPH included in both; also offered quarterly and annual. Per Frazer's published pricing page (frazer.com/frazer-pricing, checked August 2026).
3.AutoManager
Dealers who want BHPH folded into DeskManager, with auto pay wired to several processors.
AutoManager's DeskManager DMS includes a Buy Here Pay Here tab that doubles as the dealer's main collections screen, listing every open in house deal with a collection agent assigned. Recurring payments can run by card, debit or ACH through several connected processors, and borrowers can be texted directly from the collections tab when a payment is due. AutoManager's own marketing pages block automated fetching behind a bot check, so pricing could not be independently verified for this guide.
Where it is strongest
- The Buy Here Pay Here tab doubles as the main collections screen, showing every open in house deal with a collection agent assigned to it.
- Recurring payments can run automatically by card, debit or ACH through integrations with AutoManager Payments, Carpay, Worldpay and Global Payments, rather than one locked in processor.
- Borrowers can be texted directly from the collections tab when a payment is due, without a separate SMS tool bolted on.
What to weigh
- Pricing is not published anywhere online for DeskManager or the BHPH tab, so budgeting requires a sales call before you know the real monthly cost.
- Public documentation describes the collections workflow but does not state late fee rules, NSF handling or which amortization method BHPH deals use.
Pricing: Quote-based, not published. AutoManager's site did not surface pricing during research for this guide (checked August 2026); contact sales directly.
4.DealerClick
Dealers who want BHPH tracking bundled with desking and titling in one lower cost DMS.
DealerClick is a dealer management system with a dedicated Buy Here Pay Here product page covering loan calculations, payment scheduling, balance tracking and repossession management. The wider DMS adds soft credit pulls from Experian, Equifax and TransUnion with automated OFAC checks, plus titling and temp tag integrations. Neither the BHPH page nor the homepage publishes pricing.
Where it is strongest
- Loan calculations, payment scheduling and balance tracking run inside the same screen used for desking, so BHPH deals do not live in a separate system.
- Soft credit pulls from Experian, Equifax and TransUnion come with automated OFAC checks built into the DMS, useful for a dealer underwriting its own paper.
- Titling and temp tag services integrate directly with providers like DMV Desk, which matters for a BHPH dealer holding both the note and the title work.
What to weigh
- Neither the BHPH page nor the homepage states any pricing, so a dealer cannot compare cost against DealerCenter or Frazer without a sales call first.
- Public pages do not mention GPS or starter interrupt integration, late fee automation, or which amortization method the BHPH module uses.
Pricing: Quote-based, not published on dealerclick.com (checked August 2026).
5.Wayne Reaves
Family run lots wanting a long tenured DMS handling BHPH, LHPH and precomputed interest.
Wayne Reaves has built dealer management software since 1987 and describes itself as the largest family owned DMS company, based in Macon, Georgia. Its browser based Pro-DMS handles Cash Sales, BHPH, LHPH, related finance company accounts, bank financing and wholesale from one system, and supports both precomputed and simple interest deals. Collections, OFAC name checks, 8300 cash reporting and credit report access sit inside the same platform.
Where it is strongest
- Pro-DMS handles precomputed interest and simple interest deals side by side, covering the state restricted precomputed option that some newer platforms will not touch.
- The company has operated as a family owned DMS business since 1987, and offers in person and live online training rather than support tickets alone.
- OFAC name checks, 8300 cash reporting and credit bureau access sit in the same platform as collections, so compliance and collections are not separate tools.
What to weigh
- Pricing is not published on the vendor's own site; Capterra lists a starting price of $98 per user per month, which is worth confirming directly since per user pricing scales with staff count.
- Public pages describe the collections and receivables system but do not detail late fee automation or a borrower facing self-service payment portal.
Pricing: Not published on waynereaves.com. Capterra lists a starting price of $98.00 per user per month (capterra.com, checked August 2026).
6.DealerSocket
Independent and BHPH dealers who want a DMS built for non-franchise operations.
DealerSocket sells IDMS as a dealer management system built specifically for independent and BHPH dealers, now operating under Solera Holdings alongside sibling brands like LoJack and Auto/Mate. Collections automation includes real time loan aging, automatic promise to pay tracking, and SMS or email reminders to delinquent accounts. IDMS descends in part from FEX DMS, a BHPH loan servicing platform DealerSocket acquired from Finance Express in 2015.
Where it is strongest
- Collections automation includes real time loan aging and automatic promise to pay tracking, sending SMS and email reminders to delinquent accounts without a separate dunning tool.
- It descends from FEX DMS, a loan servicing platform built specifically for BHPH and special finance dealers that DealerSocket acquired in 2015, so the collections logic is not a late addition.
- Accounting ties into QuickBooks and Intacct, and the platform lists over 50 third party integrations for dealers who already run other tools.
What to weigh
- DealerSocket still markets both IDMS and FEX DMS under its umbrella after the 2015 acquisition, so ask sales which product name your quote and contract actually cover.
- IDMS's own marketing pages do not spell out late fee rules, NSF handling or amortization method, and pricing is not published anywhere on dealersocket.com.
Pricing: Quote-based, not published on dealersocket.com (checked August 2026).
7.Auto Master Systems
BHPH, LHPH and non-prime finance companies wanting a DMS built only for that world.
Auto Master Systems has built software exclusively for BHPH, LHPH and indirect finance operations since 1987, and states it serves over 5,000 AMS users. Its loan origination system includes automatic underwriting and approvals, aimed at dealers running indirect or non-prime paper alongside in house BHPH. The platform is built as an open system with integrations to accounting, payment merchants and GPS companies.
Where it is strongest
- Auto Master Systems has built BHPH and indirect finance software exclusively since 1987, a narrower and longer focus than most general DMS vendors in this guide.
- Its loan origination system includes automatic underwriting and approvals, aimed at dealers who run indirect or non-prime paper as well as in house BHPH.
- The platform is built as an open system with integrations to accounting software, payment merchants and GPS companies, so repossession hardware is not locked out.
What to weigh
- The public site describes the product in broad strokes and does not spell out late fee rules, NSF handling or which amortization methods are supported, so a live demo is needed to see the servicing engine itself.
- Pricing is not published anywhere on auto-master.com, so budgeting for a smaller lot requires a call before comparing cost against other vendors here.
Pricing: Quote-based, not published on auto-master.com (checked August 2026).
- Lot Wizard8.
Lot Wizard
Small, price conscious BHPH lots wanting servicing built into an affordable DMS.
Lot Wizard is a dealer management system from Friday Systems that positions itself as a one-stop, affordable option for independent used car dealers. Its Buy Here Pay Here module is built into Lot Wizard Pro at no extra cost, calculating simple interest daily on the outstanding balance and showing interest paid, principal paid and late fees on one payment history screen. Customers can also pay online directly, which the vendor pitches as a way to cut down on payment phone calls.
Where it is strongest
- The BHPH loan servicing module is included in Lot Wizard Pro at no extra cost, rather than sold as a separate line item the way some competitors price it.
- Simple interest is calculated daily on the outstanding balance and shown alongside interest paid, principal paid and late fees on the same payment history screen.
- Customers can pay online directly, which the vendor pitches as a way to reduce inbound payment phone calls for a small BHPH office with limited staff.
What to weigh
- Pricing is not published on the marketing site; it points to a separate pricing page and a 15 day free trial rather than a number.
- The BHPH page does not mention GPS or starter interrupt integration, credit bureau reporting, or precomputed interest, so confirm those directly if your state or portfolio needs them.
Pricing: Quote-based, not published on lotwizard.com. The site offers a 15 day free trial and links to a separate pricing page (checked August 2026).
9.AutoDealer.io
Smaller simple-interest portfolios that want the loan math and a borrower portal
Our own tool, and its limits
AutoDealer.io does the servicing arithmetic and the borrower-facing half of BHPH, and leaves the subprime operations half alone. Every balance is replayed live from an immutable payment ledger in integer cents, fee then interest then principal, so the figure a borrower sees is one the ledger can prove; late fees and NSF reversals are dealer-configured and default to off, with no amount hardcoded. Where it stops is the collections floor: there is no work queue, no promise-to-pay, no repossession workflow, no GPS or starter-interrupt link and no bureau reporting, and it never touches the money.
Anyone running real subprime volume. If repossession risk, GPS hardware, bureau reporting or a collector work queue is part of how you run the portfolio, a platform built only for that world belongs above us, and several are listed above.
Where it is strongest
- The amortization runs on integer cents and the live balance is replayed from an immutable ledger rather than stored as a number that can drift, so a payoff quote and the payment history can never disagree.
- Late fees and NSF reversals are configured per dealer and ship turned off with no amount baked in, which keeps the fee your contract and your state allow rather than one the software picked.
- The borrower portal has two doors, a no-login link that rides in every reminder email and a passwordless sign-in using account number and date of birth with an emailed code, so nobody is handed a password to lose.
What to weigh
- Collections is a delinquency report and an automated reminder, not a collector workstation. There is no work queue, no promise-to-pay tracking, no call outcome logging and no repossession workflow, and we do not process payments, so the portal hands off to your own processor.
- Two of the six criteria on this page we do not meet at all: there is no GPS or starter-interrupt integration and no credit bureau reporting. Precomputed interest and Rule of 78 are deliberately blocked as state-restricted, where Wayne Reaves above ships them.
Pricing: Published on our pricing page, with a free trial
The list, side by side
Who each one fits and how it is priced, in one table.
| Product | Best for | Pricing |
|---|---|---|
| DealerCenter | Dealers already on DealerCenter's core DMS who want BHPH added as its own priced module. | BHPH module $50 per month, billed separately from the core DMS at $99 per month, per DealerCenter's published pricing page (dealercenter.com/pricing, checked August 2026). |
| Frazer | Independent dealers who want BHPH, accounting and RIC forms in one flat monthly price. | Desktop plan $129 per month, hosted plan starting at $199 per month, with BHPH included in both; also offered quarterly and annual. Per Frazer's published pricing page (frazer.com/frazer-pricing, checked August 2026). |
| AutoManager | Dealers who want BHPH folded into DeskManager, with auto pay wired to several processors. | Quote-based, not published. AutoManager's site did not surface pricing during research for this guide (checked August 2026); contact sales directly. |
| DealerClick | Dealers who want BHPH tracking bundled with desking and titling in one lower cost DMS. | Quote-based, not published on dealerclick.com (checked August 2026). |
| Wayne Reaves | Family run lots wanting a long tenured DMS handling BHPH, LHPH and precomputed interest. | Not published on waynereaves.com. Capterra lists a starting price of $98.00 per user per month (capterra.com, checked August 2026). |
| DealerSocket | Independent and BHPH dealers who want a DMS built for non-franchise operations. | Quote-based, not published on dealersocket.com (checked August 2026). |
| Auto Master Systems | BHPH, LHPH and non-prime finance companies wanting a DMS built only for that world. | Quote-based, not published on auto-master.com (checked August 2026). |
| Lot Wizard | Small, price conscious BHPH lots wanting servicing built into an affordable DMS. | Quote-based, not published on lotwizard.com. The site offers a 15 day free trial and links to a separate pricing page (checked August 2026). |
| AutoDealer.io | Smaller simple-interest portfolios that want the loan math and a borrower portal | Published on our pricing page, with a free trial |
Questions dealers ask
Straight answers about buy here pay here software.
What is buy here pay here (BHPH) software?
It is loan servicing software built for dealers who finance their own vehicle sales instead of sending the loan to a bank or credit union. It tracks the amortization schedule, posts payments against fees, interest and principal, assesses late fees, and runs collections and dunning for every loan the dealer holds in house.
Does BHPH software process the loan payments itself?
Usually not. Most platforms in this category, including AutoDealer.io, DealerCenter and DealerClick, hand the actual transaction off to a card, debit or ACH processor the dealer already uses, and only record the result in the ledger. Chargeback and processing risk generally stays with the dealer's chosen processor, not the software vendor, so ask directly how each platform handles that handoff.
What is the difference between simple interest, precomputed interest and Rule of 78 for BHPH loans?
Simple interest accrues daily on the outstanding balance, so paying early or late changes what is owed. Precomputed interest and Rule of 78 calculate the total finance charge up front and allocate it across the term on a fixed schedule, and several states restrict or ban these methods for consumer auto loans. Confirm which methods a platform supports, and which ones it blocks on purpose, before assuming your state allows what the software offers.
Do BHPH platforms report payments to credit bureaus?
It varies by vendor. Wayne Reaves and DealerCenter both advertise credit bureau access on their own sites, while some specialist and newer platforms, including AutoDealer.io, do not report to a bureau at all. If bureau reporting matters to your BHPH program, confirm which bureau and whether reporting is automatic or manual before choosing a platform.
Do I need GPS or starter interrupt integration for a BHPH lot?
Not every BHPH dealer uses GPS or starter interrupt devices, but for a subprime portfolio with real repossession risk, the integration can materially change recovery rates. Frazer publishes integrations with Advantage GPS, GoldStar GPS and PassTime; other platforms, including AutoDealer.io, do not offer this yet, so check directly if it matters to your risk model.
Where these facts came from
Every capability and price above traces to a provider's own materials or a public record. Check anything that decides your purchase.
- https://www.consumerfinance.gov/rules-policy/regulations/1026/
- https://www.consumerfinance.gov/consumer-tools/auto-loans/
- https://www.dealercenter.com/pricing
- https://www.dealercenter.com/buyherepayhere/
- https://www.frazer.com/
- https://www.frazer.com/frazer-pricing
- https://www.automanager.com/buy-here-pay-here/
- https://www.automanager.com/why-buy-here-pay-here-bhph-dealers-need-a-dms/
- https://dealerclick.com/products/buy-here-pay-here-dealer-software
- https://dealerclick.com/
- https://www.waynereaves.com/pro-dms
- https://www.waynereaves.com/
- https://www.capterra.com/p/95110/Wayne-Reaves-Software/
- https://dealersocket.com/idms-fpem/
- https://www.dealer.solera.com/products/dealersocket/idms/
- https://www.prnewswire.com/news-releases/dealersocket-acquires-fex-dms-300041986.html
- https://auto-master.com/
- https://www.autoremarketing.com/bhph/subprime-analytics-integrates-auto-master-systems-and-fex-dms/
- https://lotwizard.com/buy-here-pay-here/
- https://lotwizard.com/
Verified August 2026. Product names and logos are the trademarks of their respective owners; naming them here is comparative reference and does not imply any affiliation with or endorsement by them.
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Compare the numbers here against a live demo of our amortization engine, borrower portal and daily collections job, and bring your own state's late fee and NSF rules so we can show you exactly how they get configured.