Set the terms, preview the loan, originate
Configure APR, term, frequency, and interest method, and see the full picture before you commit — the engine does the math in integer cents so the schedule always ties out.
- Simple-interest and zero-interest loans
- Weekly, biweekly, or monthly payments; actual/365, actual/360, or 30/360
- Live calculator: amount financed, payment, finance charge, total of payments, maturity
- Integer-cents amortization with a TILA-style schedule on file
Record every payment, accurately
Payments post against an append-only ledger with the right allocation, deferred down payments are tracked, and you can pull an accurate payoff any day of the month.
- Installments allocated fee → interest → principal
- Deferred down payments (pickup payments) with their own due dates
- Payoff quote as of any date, with interest accrued to that day
- Append-only ledger with operator void for corrections
Stay on top of what’s owed
A collections aging view buckets your portfolio by days past due so you always know who to call first — with late-fee rules and loan statuses you control.
- Aging buckets: current, 1–30, 31–60, 61–90, and 90+ days past due
- Delinquency list sorted by days past due, with a grace period you set
- Late-fee rules per loan (flat, percentage, or none)
- Loan statuses with a charge-off interest-accrual freeze + full audit log
Buy Here Pay Here software FAQ
What the in-house financing tools do — and what they don’t.
What kinds of in-house loans does it support?
Simple-interest and zero-interest loans, with weekly, biweekly, or monthly payment frequencies and a choice of day-count convention (actual/365, actual/360, or 30/360). Terms and APR are configurable per loan.
How accurate is the amortization?
The amortization engine works in integer cents to avoid rounding drift, and a live calculator previews the amount financed, payment, finance charge, total of payments, and maturity date before you originate. Payment allocation follows fee → interest → principal.
Does it generate the retail installment contract or TILA disclosures?
It produces a clear, TILA-style amortization schedule you can review, present, and keep on file. It does not generate or e-sign the retail installment contract itself — pair the schedule with your own contract/forms.
Does it report to credit bureaus or run automated collections?
No. It is back-office servicing software — it tracks collections aging and delinquency and lets you configure late-fee rules, but it does not report to credit bureaus, auto-assess fees, send automated reminders, or run repossession workflows.
Can I take a payoff quote for any date?
Yes. Generate a payoff quote as of any calendar date with interest accrued to that day, recorded against an append-only payment ledger (with operator void for corrections).
AutoDealer.io provides back-office tools for dealers who carry their own paper. It is not a lender, credit-reporting agency, or law firm, and it does not provide legal, tax, or financial advice. You remain responsible for compliance with the Truth in Lending Act, state usury limits, licensing, and all applicable lending and collection laws. Verify your loan terms and disclosures with your own counsel.
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