The Debt Trader Post: BHPH Edition

Knoxville BHPH Spotlight: Best Local Dealers & Financing Options

Explore Tennessee’s best Buy Here Pay Here lots in Knoxville, TN. This episode highlights trusted dealers like Parker Auto Sales and SmartAuto, flexible financing with minimal down payments, and key tips for choosing the right lot. Learn how to navigate options when you have limited credit or need quick approval—making your next car purchase smoother and more accessible.

Auto Loan Portfolio Acquisitions: Insider’s Playbook for Buyers

Explore the step-by-step process of purchasing auto loan portfolios to grow your asset base fast. This episode covers sourcing notes from banks and brokers, performing due diligence on performance metrics like delinquency and LTV, negotiating purchase terms, integrating portfolios operationally, and managing risks post-acquisition. Perfect for investors and financiers.

Promissory Notes for Cars: A Seller’s Legal Guide

Learn how to properly draft and enforce a car promissory note in private auto sales. This episode covers required elements—loan amount, interest rate, repayment schedule, repossession rights—and explores legal pitfalls to avoid and steps if a buyer defaults. Gain clarity on how this essential document protects both parties.

Unlocking Capital: How to Sell Buy Here Pay Here Notes Effectively

Explore how dealerships can monetize delinquent or performing BHPH loan portfolios by selling notes to investors. This episode breaks down identifying sellable accounts, due diligence, negotiating terms, and choosing the right note buyers. Discover how strategic note sales can generate immediate cash flow and optimize your balance sheet.

Investing in Car Notes: A Beginner’s Guide

Explore the world of car note investments—buying auto loan portfolios backed by vehicle collateral. This episode breaks down how car notes work, the benefits and risks, legal considerations, due diligence steps, and portfolio management strategies to help individual investors and dealers navigate this alternative asset class.

Selling with a Lien: Can You Sell a Car You Still Owe On?

Discover how you can legally sell a car even if you still owe money on its loan. Learn about positive vs. negative equity, coordinating with your lender for payoff and lien release, and handling private-party or dealership transactions smoothly. This episode helps you navigate title transfer protocols and minimize risk during the sale process.

BHPH Spotlight: Houston’s Top Subprime Car Lots

Explore the best Buy Here Pay Here lots in Houston, TX, offering flexible in-house financing even with poor or no credit. This episode highlights top dealers like King of Cars and Carnes Motor Company, discusses low down payments, credit-building opportunities, and key tips on choosing the right lot and negotiating effectively.

Trading In a BHPH Car: What You Need to Know

Explore how trading in a Buy Here Pay Here (BHPH) car works—and when it’s possible. Learn what equity is required, how dealers assess value, and options for handling upside-down loans: from paying off the balance, waiting until equity emerges, or rolling negative equity into a new loan. Valuable insights whether you’re a borrower or industry professional.

CareCredit vs. Personal Loan: Finding Your Best Borrowing Option

Explore the pros and cons of using CareCredit cards versus personal loans for healthcare and everyday expenses. This episode examines interest rates, promotional financing, repayment terms, credit impact, and typical use cases—helping borrowers choose the best option for their needs, whether elective procedures, debt consolidation, or unexpected bills.

The $500 Down Deal: Must-Know Facts in BHPH Lending

Explore the essential facts behind Buy Here Pay Here auto deals requiring just a $500 down payment. This episode covers lender risk management, borrower qualification criteria, impact on loan pricing, trade-offs in portfolio performance, and what both dealers and buyers should assess before signing—ensuring profitable and compliant BHPH operations.