HeyJaredThe BHPH Morning Show
Join Jim and Michelle as they discuss the news of the day in the Buy Here Pay Here (Subprime Auto Finance) world. Decades of experience in the industry create a rich conversation about what matters most to dealers across the US. Aired live W & F BHPH, Subprime, Auto
- Indexed episodes, last 90 days
- 8
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- Sep 18, 2026
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- Jul 5, 2026
Latest episodes
[Ep 3 of 4] Study of the 24-Mo Mark: What We Know So Far About BHPH & LHPH (opens the original)
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Why Your BHPH Note Stops Paying For Itself Before It Matures | "Month 24 Series" Pt. 3 Show Description: Every simple-interest retail installment contract earns less interest per payment as it ages — but the cost to service that account stays flat. In this episode, we break down exactly where those two lines cross, using a live amortization model you can adjust by rate, term, and servicing cost. This is Part 3 of our 4-part series on why the 24-month mark matters for every BHPH dealer tracking p
[Ep 2 of 4] V8 Group Study of the 24-Mo Mark - What We Know So Far About BHPH/LHPH Vintages (opens the original)
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V8 Study: 24-mo Mark | Episode 2 of 4 | BHPH Morning Show Episode 2 of our 4-part Friday series continues the V8 Study into the 24-month mark — the point in a BHPH/LHPH contract's life where what was structured on paper and what actually plays out start to diverge. We're not ready to hand down a verdict yet. This episode adds another piece to the puzzle, building on the ground we covered in Episode 1. Catch the full series every Friday this September with hosts Jim & Michelle Rhoads. Live Friday
V8 Dealer Group Study of the 24-Mo Mark: What We Know So Far About BHPH (opens the original)
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We've examined it from Day 1. Based on a 6-month history, how do our BHPH and LHPH portfolios project to convert over the next 24 months? We were purposeful in selecting that future point in time. Now, with recent vintage studies, the dealers' actual portfolio that remains active past 2 years is sobering for many. The study continues. Join todays LIVE broadcast at 11:15 EST to see some eye-opening, maybe even model-shifting numbers. Jim will explain why this information matters for Buy Here Pay
All Dealers, One Data Bridge Onto Shared Ground (opens the original)
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Following up on this week's reminder that data integrity isn't going anywhere, today we get specific. White Hat Way is opening up Phase 1 of our Data Mapping Tree — the canonical framework that shows exactly how every DMS provider's export labels line up (or don't) with the numbers dealers actually need to trust. This isn't a call-out. It's a call-in. Jim & Michelle lay out the case for why DMS providers — the ones already closest to the data — are in the best position to help close the gap betw
"Suitcasing" Controversy: Why It Matters and To Whom (opens the original)
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We found ourselves in the crosshairs of someone's controversy in the BHPH/LHPH vendor world about "suitcasing" — the practice of pitching business at industry events without paying for a booth (not our situation). It's easy to write this off as vendor drama that doesn't touch you as a dealer. It's actually part of a much bigger conversation. Every accusation like this is really a question about whose interests are being served. Jim and Michelle Rhoads break down what's actually at stake for deal
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