DealerVLO
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Buy here pay here software without the BHPH surcharge

Payment ledger, payment schedules, deal jacket, compliance, and your own dealer website — in one modern DMS for $29/month, flat. No per-account fees, no financing module priced like a second rent.

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Everything a BHPH lot runs on

Built by a dealer who runs his own independent lot — not a software company guessing at the job.

Payment ledger & schedule

Structure the note, generate the schedule, and record every payment against the balance. Who's current, who's behind, and what's outstanding — visible without a spreadsheet.

BHPH deals in the same deal jacket

Cash, outside finance, or in-house — one deal screen. Amount financed, APR, term, and payment math computed live as you structure the deal.

Compliance stored with the deal

OFAC screening, FTC Red Flags, Adverse Action, Buyers Guide, odometer disclosure — generated and archived per deal, ready if a regulator or lender asks.

CRM built for repeat BHPH customers

Payment history and deal history live on the customer record. Driver's license numbers encrypted at rest (AES-256-GCM).

Your website + lead inbox included

Inventory auto-syncs to a public site on your domain. Leads land in the inbox with automatic replies — no extra website vendor.

Know your real numbers

Sales reporting plus free dealer tools — profit margin, floor plan cost, and license cost calculators — to keep the whole operation honest.

Running in-house notes on a spreadsheet?

Import your accounts with CSV and see your whole book — schedule, ledger, and balances — the same day. $29/month, free to try — cancel any time.

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What BHPH software usually costs

Most BHPH-capable platforms treat in-house financing as a premium module: base DMS pricing around $295/month, climbing past $500/month once the financing, compliance, and website pieces are added — or “call for a quote” pricing that lands even higher. DealerVLO includes the BHPH ledger and schedule in the same flat $29/monthas everything else, because a small lot's financing book shouldn't cost more to track than it does to build.

Comparing specific vendors? See DealerVLO vs. Frazer, vs. DealerCenter, and vs. Wayne Reaves.

How in-house financing works in DealerVLO

A buy-here-pay-here deal is the same deal jacket as a cash sale, with the note on top. The flow is built for the owner who is also the finance manager:

  1. 1
    Structure the note
    On the deal, enter the amount financed, APR, term, and payment frequency. The payment amount and totals compute live as you type.
  2. 2
    Generate the schedule
    DealerVLO builds the full payment schedule from those terms — due dates and amounts, weekly, bi-weekly, or monthly.
  3. 3
    Record payments to the ledger
    Every payment posts against the running balance. The customer record shows paid-to-date, remaining balance, and next due date.
  4. 4
    See who's behind
    The book shows current vs. past-due at a glance, so you know exactly who to call before it becomes a repo.
  5. 5
    Keep compliance with the deal
    OFAC, FTC Red Flags, Adverse Action, Buyers Guide, and odometer disclosure generate and file with the deal automatically.

What to look for in BHPH software

Shopping BHPH platforms? These are the things that actually decide whether the software helps or just adds a bill:

The ledger has to be trustworthy
A BHPH book lives or dies on the payment ledger. Every payment posts against the balance, due dates are unambiguous, and 'who's behind' is a glance, not a reconciliation. If you'd still keep a shadow spreadsheet, the software failed.
Watch the per-account and module fees
Many DMS platforms price the financing module separately and add a per-active-account fee, so your software bill grows with your book. A flat price means a healthy portfolio doesn't quietly become your second-biggest expense.
Compliance can't be a bolt-on
In-house financing pulls in OFAC, FTC Red Flags, and Adverse Action. Those artifacts should be generated and stored with the deal automatically — not something you assemble by hand if a regulator or a floor-plan lender asks.
One system beats a stack of tools
Inventory, deal jacket, notes, CRM, and your website in one place means a payment, a title, and a listing all reference the same record. A separate BHPH module bolted onto three other vendors is where numbers drift.

BHPH software FAQ

What is BHPH software?

Buy-here-pay-here (BHPH) software manages in-house financed deals: the payment schedule, the running ledger of what each customer has paid and owes, late/missed payment visibility, and the paperwork behind the note. In DealerVLO it's part of the same DMS that runs your inventory, deal jacket, and website — not a separate module.

How much does DealerVLO BHPH software cost?

$29/month flat — the same single plan as everything else. There's no per-account fee, no BHPH module surcharge, and no per-user pricing. Most BHPH-capable DMS platforms charge $295–$500+/month once the financing module is included.

Does it handle the payment schedule and ledger?

Yes. Structure the note on the deal (amount financed, APR, term, payment frequency), and DealerVLO generates the payment schedule and keeps a running ledger per customer — every payment recorded against the balance, with due dates and what's outstanding visible at a glance.

Does it work for a small BHPH operation?

That's exactly who it's for. DealerVLO was built by an independent dealer for lots running 10–50 cars, where the owner is also the finance department. Setup is self-serve, there's a 14-day free trial (no card required to start; cancel any time before it renews), and the CSV importer moves your existing accounts in.

What about compliance on BHPH deals?

Every deal jacket carries the federal documents (Bill of Sale, FTC Buyers Guide, Federal Odometer Disclosure), state title forms where supported, and compliance artifacts — OFAC screening, FTC Red Flags, and Adverse Action records — stored with the deal.

Can I move my existing BHPH accounts into DealerVLO?

Yes. The CSV importer brings your current customers and open accounts in, so you can see your whole book — schedules, ledgers, and balances — the same day rather than re-keying every note by hand.

How does DealerVLO handle the note's interest, term, and schedule?

You structure the note on the deal — amount financed, APR, term, and payment frequency (weekly, bi-weekly, or monthly) — and DealerVLO computes the payment amount, generates the full schedule, and posts each payment against the running balance. No amortization spreadsheet to maintain.

Can I check my accounts from anywhere?

DealerVLO is web-based, so it runs in any browser on a laptop, tablet, or phone — no install, no server on the lot. Pull up who's current and who's behind from the desk or the auction lane.

More on running a BHPH lot

Dealer licensing & paperwork updates

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