Sell Buy Here Pay Here Accounts in 4 Steps

From upload to closing in as little as 5 days

We work with dealerships selling existing BHPH receivables. We do not offer consumer loans, personal loans, or retail financing.

How to Sell Your Buy Here Pay Here Accounts

Step 1: Upload Portfolio Data

The first step to unlocking the value in your Buy Here Pay Here portfolio is to share the details of your accounts. Use the secure upload section below to drag and drop your Excel or PDF file containing your account list. We also offer a handy spreadsheet template to help you format your data correctly. Our system accepts most common file formats, and our team can work with whatever data structure you currently have.

Step 2: Expert Portfolio Analysis

Once we receive your portfolio file, our experienced Buy Here Pay Here specialists get to work immediately. We conduct a comprehensive analysis of your portfolio, evaluating factors such as payment performance, seasoning, vehicle values, contract structure, and market conditions. Our team uses that information to assess what your Buy Here Pay Here receivables are worth today and what risks remain in the pool.

Step 3: Direct Buyer Valuation

Based on that review, we provide a no-obligation valuation within as little as 1 business day. We explain how we got there and answer any questions you have, so you can decide whether the pricing makes sense for your dealership.

Step 4: Closing & Payment

After you review and accept our offer, we move quickly to finalize the transaction. We walk you through the supporting account documents needed for verification and closing. Once everything is in place, we arrange payment by ACH transfer, wire transfer, or an in-person check from a local representative.

The goal is a straightforward process from first upload to closing. If you want to get started, upload your portfolio now or check our FAQ for answers to common questions.

Portfolio Criteria - What We Buy

Account Characteristics

  • All seasoning levels (new originations to seasoned paper)
  • Performing accounts
  • Various payment frequencies (weekly, bi-weekly, monthly)
  • Different contract structures and payment schedules

Collateral Types

  • Cars and light trucks
  • All vehicle ages and conditions
  • Various makes and models
  • Both titled and lien-holder arrangements

Portfolio Size

  • No minimum portfolio size required
  • Individual notes to large portfolios
  • Partial portfolio purchases available
  • Entire dealership portfolio acquisitions

Geographic Coverage

We purchase BHPH portfolios from dealers nationwide. Regional preferences may apply for certain portfolio types.

Every portfolio is unique - contact us to discuss your specific situation.

Simple, Transparent Pricing

Because you're dealing directly with the buyer, there are no broker fees that reduce your final payout. No hidden costs, no surprises at closing.

Direct Buyer Advantage

Skip the middleman and pay no broker fees. Our direct approach means faster decisions, clearer communication, and more money in your pocket.

Secure Portfolio Upload

Please include your full data tape (Excel/CSV). All data is kept 100% confidential between you and CAR Financial Services.

Drag & drop your file here or click to select

Uploading your portfolio does not commit you to a sale. Use our template if it helps, or upload the file you already have. Questions? Contact Robert directly.

Ready to Get Started?

Contact Robert directly to get a valuation of your portfolio.

Request Valuation