How to Use Buy Here Pay Here: Full Tutorial

 

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Introduction & Navigation

The Buy Here Pay Here (BHPH) module helps manage in-house financing accounts by giving you quick access to customer data, account status, and tools for collections, payments, and more.

1. Use the search bar at the top of the homepage to search by name, phone, or email.
   
   
   
   
2. To browse all accounts, go to Buy Here Pay Here from the menu, then click BHPH Accounts List.
3. Use filters and sort tools to narrow results.
4. To view portfolio performance, go to Reports Dashboard BHPH Dashboard.
   
   
   
   

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Account Page Overview

The account page is your command center for managing customer accounts, putting critical information at your fingertips with easy access to detailed records and tools.

Overview Tip: Use this page to quickly assess payment status, document needs, and preferred communication method.

1. Review account status, next due date, and payment info in the header.
   
   
   
   
2. View customer, vehicle, and account details all in one place.
   
   
   
   
3. Set communication preferences under Manage Preferences.
   
   
   
   
4. To request documents, click Request Customer Docs, choose the document, and send by email or SMS. Uploaded files will appear in the Files tab.
   
   
   
   
   
   

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Account Details Tab

The Account Details tab includes loan terms, payment history, and account conditions.

Details Tip: Use this tab for loan insight, account alerts, and payment history tracking.

1. Review key loan dates, amounts, and interest rate.
   
   
   
   
2. To add account alerts, click Add in the Account Conditions box.
   
   
   
   
   
   
   
   
3. Scroll to Payment History to view all payment activity, status, and allocation.
   
   
   
   
4. To create a Promise to Pay, click Add Promise to Pay and enter the amount, date, and method.
   
   

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Collections Tab

Use the Collections tab to track calls, promises, notes, and contact history.

Collections Tip: Helps you stay on top of follow-ups and maintain compliance.

1. View collector assignment, follow-up status, and collection activity.
   
   
2. Use the toolbar to log calls, send texts/emails, and add notes.

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Taking Payments

To take a payment:

Payment Tip: Choose the right payment type and method for accurate accounting.

1. Click Take Payment at the top of the account page.
   
   
   
   
2. Select payment type: Due Today, Next Due, Principal Only, Manual Override, or Pay-Off.
3. Choose payment method: credit/debit card, ACH, check, hosted checkout, or saved account.
4. Click Save to complete the payment.

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Credit or Fee Adjustments

To adjust credits or fees:

Adjustment Tip: Use credits for refunds or incentives, and fees for late charges or service costs.

1. Click the Credit/Fee button at the top of the customer's account page.
2. In the Account Adjustment window, select either Credit or Fee.
3. Enter the amount and choose whether to apply it to the next payment or the end of the loan.
4. Add notes for context, then click Save.
   
   

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Document Library

To print or view customer documents:

Document Tip: Find current versions of forms, notices, and records by category.

1. Click the Print button at the top of the account page.
2. Search or filter to find the document you need.
   
   

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Change Due Date

To update a customer’s payment schedule:

Due Date Tip: Use Extension for one-time changes or Due Date Change to update the full schedule.

1. Click Additional Actions at the top of the account page.
2. Select Change Due Date.
3. Choose Extension or Due Date Change and select a new date.
   
   

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Sell or Transfer Account

To transfer or sell a BHPH account:

Transfer Tip: Choose RFC for internal transfers or 3rd Party for external sales.

1. Click Additional Actions and choose Sell/Transfer Account.
2. Select RFC or 3rd Party Sale.
3. Enter transfer details and click Save.
   
   

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Schedule Payments

To schedule automatic payments:

1. Click Additional Actions, then choose Schedule Payments.
2. Set the payment amount, schedule, start/end dates, and click Save.
   
   

Auto-Pay Configuration: Choose collection amount (regular, full, or fixed), frequency (due date or custom), and set the timeline (start/end dates or number of payments). Preview dates before saving.

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Manage Saved Accounts

To manage saved customer payment accounts:

1. Click Additional Actions and select Manage Saved Account.
2. Choose Add Check, Add Debit/Credit Card, or Hosted Checkout.
   
   

Account Management: Saved accounts support ACH, credit/debit cards, and hosted checkout. Keeping them updated avoids failed payments.

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Repo / Charge-Off

To start the repo process:

Repo Tip: Follow each stage closely to stay compliant and document all steps.

1. Go to the Repo/Charge-Off tab and click Start New Repo.
2. Enter repo status, reason, and other required info.
3. Print documents such as Right to Cure, Repo Order, or Pre-Repo Notice.