Buy Here Pay Here Dealer Software

You carry the paper, so the software has to carry the application, the stipulations, the down payment and the payment schedule. LeadLocate desks a buy here pay here deal the way you structure it and keeps every text and call on the record.

A buy here pay here store is the lender. There is no outside finance company deciding the deal, no reserve to argue about and no waiting on a callback; the store looks at the income, sets the down payment, structures the note and services it for the life of the loan. That makes the deal a credit decision first and a car decision second, and it makes the paperwork the product. Every stipulation, every disclosure and every signature matters more than on a retail deal, because the store lives with the note after the customer drives away.

The buyer is different too. A buy here pay here customer has usually been declined elsewhere, often more than once. They are paid weekly or twice a month, they want to know the down payment and the payment before they want to know the car, and they are texting from a phone because that is the only computer they own. They respond to a straight answer delivered fast and to a store that treats the application with respect. The stores that do well in this segment answer the approval question in minutes and keep the customer close through the life of the note, since the same customer comes back for the second car if the first note went well.

Generic dealer software desks a retail contract and stops. LeadLocate's desking engine carries a universal field set that includes buy here pay here alongside auto, RV, powersports, marine and fleet, and the credit application in SecureWebX was built around the fields this deal turns on. The rest of this page walks through which pieces carry the weight. The CRM for buy here pay here dealerships page covers the day to day of working the customer; this page is the product side.

The credit application, the stipulations, the desking and the texting. SecureWebX gives the store branded apply links to a five step online application, personal, residence, employment, income and review, with income, down payment, a trade-in section, co-applicant support and ITIN as well as SSN on the form. E-signature with versioned consent terms closes it, bot protection keeps the junk out, and abandoned applications feed back to the CRM so the salesperson follows up on the customer who stopped at the income step.

The stipulations workflow is where a buy here pay here deal is won or lost. Pay stubs, proof of residence, references and proof of insurance are requested on the application record and fulfilled by upload from the customer's phone, supporting documents attach to the submission, and the console shows what is still missing. The identity scanner reads a driver license and an insurance card into the customer record from a phone camera, and the Deal Jacket holds every document with QR intake, so the file is complete before the customer leaves.

EZ Desking builds the note with semimonthly payment frequency for the customer paid twice a month, trade credit caps, a 50 state tax matrix and centralized deal defaults so every salesperson structures a deal the way the owner set it. The two way texting inbox carries the conversation with pictures and delivery status on every bubble, and Text Automation with Follow Up Processes carries the reminder texting after delivery. Every module is on the LeadLocate CRM page.

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The customer opens the store's apply link on a phone, works through the five steps and signs. The application lands in the SecureWebX inbox and pipeline with a status, an assignee, an amount and notes, and the manager who decides the deal sees the income, the down payment and the co-applicant on one screen. OFAC screening runs on every application. State specific disclosures are added and edited per company, the privacy notice and terms editor keep the store's own language on the form, and forced terms acceptance means every user in the console has agreed to the store's rules before touching a file.

When the store declines a customer, adverse action notices generate from the application record, which is the piece most small stores handle with a form letter someone forgets to send. Every application is encrypted at rest, every sign in is protected by two factor authentication, uploads are virus scanned, PDF viewing is watermarked and print and download gated, and the audit log records who opened what. Archiving retains every record rather than deleting it, which is the retention posture a compliance review will ask about. The store's own credit bureau account is stored under credit bureau key storage; LeadLocate does not pull credit, and the decision is the store's.

A store that also places some deals with an outside finance company uses Send to Lender, a code gated, expiring, revocable and watermarked share with a lender response portal, to send the application to a lender of its choosing. Worksheets in SecureWebX match the CRM desking engine, so the note the manager structured travels with the file, and the deal recap PDF prints from the same place. Details are on the SecureWebX product page.

EZ Desking is the desking menu in the CRM, with cash, finance and lease structures, a multi pencil grid and goal seek bays. For this segment the parts that matter are semimonthly payment frequency, which lines the payment up with the customer's paycheck, trade credit caps, which keep an inflated trade from breaking the structure, and the buy here pay here field set inside the universal coverage the engine carries. Centralized deal defaults mean the owner sets the down payment rules and the term once and every salesperson works inside them. Start New Deal from a lead or from the Unit field carries the customer and the car into the deal without retyping.

The customer deal page, brand skinned to the store, shows the customer the numbers with a PIN, a revision view and a deal chat thread, and takes an e-signature. Print packets with payment ranges and a finance breakdown cover the customer who wants paper, and #10 envelope templates with First Class postage and printed indicia mail it from the CRM. The Road to Sale checklist sits on every deal so the manager sees which stipulation, which signature and which document is still open. Deal history and verification, a visit log and deal status sync keep the file honest, and the trade-in form with VIN scan and photos captures the trade from the driveway.

The note is serviced in your buy here pay here accounting system, and the payment ledger, the collections accounting and any starter interrupt or GPS device you use stay there. What LeadLocate carries is the relationship around the note. Text Automation and Follow Up Processes run multi step drips per lead type, so a delivered customer gets a payment reminder text before the due date, a thank you after the first payment and a check in at the six month mark, all written by the store in its own words. Bulk Texting with recipient lists sends the holiday hours to every active customer at once, and Texting Chatbots answer the common questions back.

The phone side matters as much. Tracking phone numbers per source, call recording and playback, call transcription with a transcript lightbox, and communications logging keep every call, text, MMS, email and voicemail on one timeline per customer, which is the record a store wants when a customer disputes what was said about a payment. Caller ID name lookup shows who is calling before the phone is picked up, the virtual receptionist and Forward Calls To ring list cover the line after hours, and voicemail drops go to lists. The DNC Blacklist with a live do not call lookup and two way inbound spam block keeps the outreach compliant, since a store texting hundreds of active notes has to be right about consent every time.

A buy here pay here lot turns older, higher mileage cars, and most have no feed and no photographer. Inventory Link imports vehicles from the store's own website when there is no feed, and ingests a feed when there is one. Every unit is run through VIN decode and an automotive database with government safety and efficiency data, promo photos and stock imagery cover the listing until real pictures exist, and stock number overrides keep the windshield number in the system. A car bought at auction on Tuesday is added by hand in the portal and is behind the vehicle insert button in every text by Wednesday.

The inventory website builder publishes a site with the live lot on it, the embeddable widget puts the same inventory on the site you already own, and the vehicle finder lets a customer describe the car they need in plain words. The dealer page carries the lot, the apply link and the Schedule a Visit sheet on one page under the store's name. In-Store Now flags which units are physically on the lot today. The Inventory Link product page covers the whole merchandising side; the point for this segment is that a store with fifty cars and one phone camera can look like a store with a marketing department.

The buyer in this segment is looking for an approval, and the lead plans deliver exclusive local buyer leads in your zone, every lead in your zone delivered to you and only you, a mix of shoppers asking about a specific unit and shoppers describing what they need. Financing campaigns run under fair lending rules, so no audience is narrowed by age, gender, income, marital status, household size, education, language or ZIP; pre screening questions are asked at capture and lead problems go to a post delivery replacement review through Quality Control Requests. The bad credit car buyer leads page and the subprime auto loan leads page describe this shopper, and the what to expect page explains how they behave once they arrive. Every lead in your zone is delivered to you and only you, prescreened at capture and backed by a replacement review, so a lead that does not work out costs your store nothing.

For the store's own demand, Leads Manager builds a campaign by zone with zip stats and a market scan, the webXintel Ads Network is the managed path where our team runs campaigns from your selections, and the subprime advertising campaigns page covers what works in this segment. Lead Pages, the landing page builder, carries an apply first landing page, the free live chat widget catches the shopper on the website, and the Referral Program with a shared code and gift card style payouts rewards the customer who sends a cousin. Every source gets its own feed in Lead Feeds Manager and its own tracking number.

Say it plainly. The note itself, the payment ledger, collections accounting, repossession tracking, the general ledger and the title work stay in your buy here pay here accounting system or DMS, and LeadLocate never needs to be connected to it. LeadLocate is the sales and relationship layer: the lead, the conversation, the application, the stipulations, the pencil, the signature, the deal jacket and the reminder texting. The platform is built so your store keeps selling. Your phones ring on numbers your store owns, every application you have taken is encrypted on its own record, every deal page you have shared stays signed, and the notes you service are exactly where you put them. Records are archived, never deleted, so a customer you financed three years ago opens with the whole history attached when they come back for the next car. Your accounting system, your lot and your website stay the store's own, and each product you use is its own application under one login.

Most buy here pay here stores start on CRM Only, from $199 a month, month to month with no long term contract, which carries the LeadLocate CRM, SecureWebX, Inventory Link, DealTracker desking and deal pages, Jax and the phone app. The lead plans add exclusive local buyer leads on top, and the current figures are on the pricing page. Setup is an apply link, a tracking number, your website address so inventory imports, and the reminder drips written in the store's own words. A store that needs a custom stipulation set, a specific disclosure or a connection to its accounting system can have it: those are available on request, and our team puts them in production for your dealership.

Does the credit application capture what a buy here pay here store needs to decide a deal?

Yes. The five step application in SecureWebX carries income, down payment, a trade-in section, co-applicant support and ITIN as well as SSN, with e-signature and versioned consent. Stipulations are requested on the record and fulfilled by upload, supporting documents attach to the submission, and OFAC screening runs on every application.

Can the desking engine structure a note with payments every two weeks or twice a month?

EZ Desking carries semimonthly payment frequency, trade credit caps, a 50 state tax matrix and a buy here pay here field set inside its universal coverage. Centralized deal defaults let the owner set the down payment rules and term once so every salesperson structures the note the same way.

Does LeadLocate service the note or collect payments from my customers?

No. The payment ledger, collections accounting and any device you use stay in your buy here pay here accounting system. LeadLocate carries the relationship around the note: reminder texting through Text Automation and Follow Up Processes, the call record, and the deal jacket, and it never needs to be connected to your accounting.

How does the platform keep my texting and calling compliant?

The DNC Blacklist runs a live do not call lookup on numbers and blocks inbound spam both ways, every text shows delivery status, every call is recorded and transcribed, and communications logging keeps every contact on one timeline. In SecureWebX, state specific disclosures, forced terms acceptance, adverse action notices and a full audit log cover the application side.

Do I need an inventory feed or a DMS to use it?

No. An inventory feed and DMS access are never required. Inventory Link imports vehicles from your own website, a car bought at auction is added by hand in the portal, and the accounting stays in whatever system you already use.

What does buy here pay here dealer software cost from LeadLocate?

CRM Only starts at $199 a month, month to month with no long term contract, and includes the CRM, SecureWebX, Inventory Link, DealTracker, Jax and the phone app. Lead plans add exclusive local buyer leads on top. The pricing page carries the current figures for every plan.

We will send you the credit application your customer would fill out, request a stipulation, desk a semimonthly note and share the deal page for signature, before you decide anything. Month to month, no long term contract.

Prefer to talk right now? Call or text 844-376-2274.