BHPH Nation TV

BHPH Nation TV Bringing the Buy Here Pay Here industry's top experts to podcasts, livestreams etc.

12/05/2025

In Part 2 of our "Pick 6" conversation with 41-year industry veteran Jeff Owings, we go deeper than tactics. Jeff shares how — even after four decades in the business — he continues to adapt his operating model, why he’s recently simplified his approval decisions, and how clarity has created both stronger performance and more personal freedom. We also talk candidly about his love of the game.

Don't miss this masterclass from one of the most respected dealers in the Buy Here Pay Here industry!

12/03/2025

In today’s White Hat Wednesday, we unpack *The Flexibility Advantage in BHPH: How to Win and Keep More Customers.* In a market where every lead counts and every relationship has a long tail, flexibility is an under-utilized opportunity. We’ll break down how adaptable thinking at four key stages—lead qualifying, negotiation, underwriting, and collections/account management—can dramatically improve both customer experience and portfolio performance.

This episode looks at why rigid processes drive good customers away, how smart discretion creates trust deposits you can actually measure, and where teams overlook easy wins simply because “that’s how we’ve always done it.” From giving shoppers room to breathe at the first touch, to negotiating with clarity instead of defensiveness, to underwriting through a long-minded lens, to managing accounts with both firmness and humanity, we’ll show how flexibility becomes the dealer’s signature calling card.

If your store feels stuck in default settings, this is the episode that’ll help you bend in the right places—and grow because of it.

11/28/2025

Today’s BHPH Morning Show dives into a gem of a 'Pick 6' conversation with longtime Texas dealer Jeff Owings—41 years in the business and still showing up every day like he’s got a full tank and a race to win. Jeff pulls back the curtain on why he still personally punches in key data, how “feeling the numbers” keeps him sharper than any dashboard widget, and how that simple habit has shaped an operator who never drifts out of the cockpit.

Michelle and Jim react to Jeff’s take on the Good/Bad/Ugly spreadsheet, the art of buying cars by checking engine and transmission values (yes, he really does that), his shift into higher-ACV inventory, why he purposely tolerates more delinquency than almost anyone, and his current move back toward a “your job is your credit” underwriting philosophy.

It’s a grounded, experience-heavy look at what happens when you combine curiosity, discipline, and a total lack of fear about getting your hands dirty—even after four decades in the game. Newer dealers will take notes. Seasoned dealers will nod knowingly. And everyone will walk away with a clearer sense of what it means to stay truly connected to your numbers.

11/26/2025

Today’s White Hat Wednesday (different time slot) shines a spotlight on a dealer who doesn’t just talk community—he rolls up his sleeves and shows how it’s done. We’re featuring the Thanksgiving “turkey giveaway” hosted by Tyrone Tire and Automotive and Tyrone Auto Credit, led by none other than Nik Dumin, a 2023 White Hat Way Dealer of the Year.

Nik’s one of the good ones—proof that generosity isn’t a marketing strategy, it’s a mindset. We’ll break down why efforts like this matter far more than most realize: the trust it builds, the message it sends, and the ripple effect it has on families who could use a little lift heading into the holidays.

We’ll also unpack the bigger principle behind it: when dealers lead with heart, communities lean in. And in the long run, that’s the kind of goodwill no advertising budget can ever buy.

Tune in as we celebrate a dealer who embodies the long-minded spirit of White Hat Way… and who reminds the rest of us that giving back never goes out of style.

11/21/2025

Today we’re digging into one of the clearest truth mirrors in Buy Here Pay Here: year-to-date portfolio yield. We’re bringing V8 anonymized data to break down exactly how much of the money generated by dealers' portfolios came from interest, how much came from principal, and how much was clawed back through repo recoveries.

Using real V8 Dealer Group data (anonymized but very real and fresh), we’ll unpack what some member's yield distribution looks like. If you’re flying blind on yield breakdowns, today’s the day to tighten the straps. These numbers don’t lie—and they don’t care about feelings. They simply show how results vary and how business models, approach and effective collecting moves the needle.

Join us at 11:15 EST as we share more real info that might just keep your BHPH or LHPH business from drifting into the ditch.

11/19/2025

Some LOVE the business of Buy Here Pay Here financing. Others, not so much. On this White Hat Wednesday, we'll break down the many reasons that it matters. Join us LIVE at 11:00 EST as we explore the factors and how all of them tie to culture, stress and long-term success.

11/14/2025

October’s numbers are in, and they’re telling a story — loud enough that even the folks “flying by the seat of their pants” can hear it. On today’s show, we break down how V8 Dealer Group members' performance stacked up year-over-year, focusing on truth-telling metrics such as BHPH volume, repos/charge-offs, and interest coverage.

We’ll look at where dealers gained ground, where the warning lights are flashing, and what the V8 lens reveals about liquidity, portfolio health, and the decisions that either build long-term strength or quietly erode it. If you want the real picture of what’s shifting in BHPH as we roll toward 2026, this episode is your gut-check.

11/12/2025

In this special White Hat Wednesday edition of the BHPH Morning Show, we’re kicking off the BHPH Journey series with a powerful truth: Buy Here Pay Here isn’t just a business model—it’s a shared road.

Whether you’re a dealer navigating the challenges of in-house financing, or a customer looking for reliable transportation from a trustworthy dealer, your paths are not separate—they’re intertwined. This episode explores how the dealer's culture and processes influence the customer’s outcome—and how the customer’s story, in turn, shapes the dealer’s success.

White Hat-certified AI Agent, Sage, joins Jim and Michelle Rhoads as they unpack:

The real-life impact of relational, not transactional, BHPH practices

Why customer setbacks are often a mirror of a dealership’s own systems

How dealers can transform communities one reliable vehicle—and one human story—at a time

This isn’t just about cars. It’s about trust, transformation, and what happens when we walk the road together.

09/27/2024

In recent client meetings, the need arose to illustrate the affordability factor on aging inventory. Then, upon presenting the newly-created tool to a group of newcomer dealers, it became clear that others could benefit from seeing the impact of changing those "inside the box" numbers that BHPH dealers work with every day. The tool can be a useful training aid and might even be presented to customers at a certain stage of the sales process.

View the broadcast LIVE at 11am EDT and join the interactive chat!

09/06/2024

How much cash does it take to reach positive cash flow in a typical Buy Here Pay Here startup? On this Friday broadcast, we'll use actual 2024 results for the financial assumptions. We'll then break down the splits on incoming and outgoing cash. You've not seen this crucial info illustrated quite like this. Join us 11am EDT to ask your questions via live chat.

2 whole years. On May 11th, 2022. Michelle Bingham Rhoads and I went live for the first time on the BHPH Morning Show Po...
05/10/2024

2 whole years. On May 11th, 2022. Michelle Bingham Rhoads and I went live for the first time on the BHPH Morning Show Podcast. For those not familar, BHPH stands for Buy Here Pay Here. That's the "good enough" name chosen years ago to refer to auto dealers who offer in-house financing. By most standards, they're a small (but important) segment of the wider auto industry.

We've LOVED doing this podcast! As many say, we're consistent. I agree that we are consistently crazy for doing 3 LIVE episodes each and every week! Why? Because there's important stuff to share. It's a tough business! Dealers need more and better info to have sustainable success. We strive to bring the experts to their favorite device.

A few numbers to note at the 24-month mark:

Total episodes: 300+
White Hat Wednesdays: 97
Sponsors Accepted: 0

Don't get us wrong - we're grateful and humbled by the offers of sponsorship. We just decided early on to keep it pure. We didn't start the show to make money. We did it (and continue to do it) as a labor of love. Podcasting offered a platform for sharing the things we see that dealers want to know. We live by the idea that through education. We want to see dealers (and their customers) be successful. Plus, we have fun! We meet amazing new folks and learn new ways and practices all the time.

In the last 24 months, we've had dozens of dealers make guest appearances along with many other distinguished guests from this segment that is often viewed as predatory. Now more than 300 LIVE episodes, we can say unequivocally that NOT ALL dealers in the and segment are out to take advantage. Most aren't. So, we think it's important to highlight those dealers who are playing the long game with an interest in the success of their customers. We want folks to meet them and celebrate their way of doing business.

Please indulge us as we tag in gratitude the many who have made guest appearances or otherwise supported the show.

Now, back to planning Monday's episode!

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84414

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Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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