Add F&I products (warranty, GAP, protection)
Add F&I products like service contracts, GAP, and protection plans to a deal so they roll into the out-the-door total.
F&I products are the aftermarket items you sell on a deal — extended service contracts (VSC), GAP, prepaid maintenance, protection plans, and more. You add them as line items on the deal. Each product's price rolls into the out-the-door total automatically.
Add a product
The F&I products card is on the Deal info step (the first step of the deal).
- Open the deal and stay on the Deal info step.
- In the F&I products card, click Add product.
- Pick a Type — Service contract, GAP, Prepaid maintenance, Theft protection, Key replacement, Paint & dent, or Other.
- Enter a Name (required) — e.g. "5yr / 60k powertrain".
- Optionally enter the Provider (e.g. AUL) and Term (months).
- Enter your Cost (what you pay) and the Price (what the customer pays — required).
- Click Add to deal.
The product appears in the list with its price. Add as many as you need.
Cost vs Price: Cost is your internal cost — it's never shown to the customer and isn't added to the deal total. Price is what the customer pays, and it's the number that rolls into the deal total. Leave Cost blank and it defaults to $0.00.
What it changes
As soon as a product is on the deal, its Price is added to the deal total:
- A new F&I products line appears in the Money card (only shown once at least one product exists).
- The price flows into the Total and Balance due.
- On a finance deal, the F&I total is included when you click Suggest on the Finance terms card to fill in the Amount financed — it isn't pushed in automatically, so re-run Suggest (or adjust the figure) after changing products.
- On a BHPH deal, the loan calculator seeds from the sale price and taxes/fees only — F&I products are not added to the in-house loan principal. Set the principal to include them yourself if you're financing them.
Price and Cost accept whole dollars or cents (e.g. 1995 or 1995.00). Name and Price are required; everything else is optional. Term can be up to 600 months.
Remove a product
- In the F&I products card, find the product.
- Click the X next to its price.
The total updates immediately.
F&I products can only be added or removed while the deal is still open (draft or pending). Once the deal is marked sold (or cancelled/unwound), its numbers are a closed record — attempting to add or remove a product is rejected with an error message saying the deal is sold/cancelled/unwound and its terms can no longer be edited; you must unwind or reverse it through the deal flow instead. Get the products on the deal before you mark it sold.
FAQ
Who can add F&I products?
Owners, Managers, and Sales users on any plan. There's no separate F&I role gate.
Why don't I see an "F&I products" line in the Money card?
That line only appears after you add at least one product. With no products, the deal total is just price + tax + fees.
Do F&I products show on the customer's paperwork?
It depends on the form. The default BHPH Retail Installment Contract template has an "F&I products" line in its amount-financed itemization that fills with the combined total of all product prices (one dollar amount, not each product separately). That line only prints when the total is greater than zero, and other forms only show F&I figures if their template includes the field.
Can I set up a reusable product catalog?
Not yet — you enter each product's name, provider, price, and term on the deal itself. There's no saved product menu to pick from.
I marked the deal sold and forgot a product. Can I add it now?
No. A sold deal's numbers are locked. You'd need to unwind the deal first (which reverses the sale) to reopen it for edits.