The BHPH Morning Show

The BHPH Morning Show

Hosted by: Jim & Michelle Rhoads

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...

All Episodes

Episodes

[FRI] From Battle-Tested to Future-Ready: The Next Chapter in BHPH

After 40 years in the trenches, Jeff Owings drops a truth bomb that every Buy Here Pay Here dealer ought to hear. In today’s episode, we unpack his powerful message—one part warning, one part wake-up call, and all...
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When AI Makes the First Call: Trust-Building in the Age of Voice Agents

In this White Hat Wednesday edition of the BHPH Morning Show, we explore how AI-powered voice agents are starting to take the mic — and why that’s not a bad thing. When deployed with purpose, these “Level 1” virtual...
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[FRIDAY] Debt Load vs. Loan Flow: How Much Can Your Portfolio Handle?

In today’s episode of the BHPH Morning Show, we introduce a powerful new calculation designed to help dealers answer a critical question: How much debt can your portfolio support? Jim breaks down a practical formula...
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White Hat Weds: Is Selling "As-is" Dead in BHPH & LHPH?

"As-is" — is it a practical necessity or an ethical gray area? On this White Hat Wednesday, we’re opening the floor to both sides of the debate. Supporters say it protects dealers and keeps prices low. Critics argue...
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Barriers or Bridges? Turning Dealer's BHPH Limitations into Launchpads

In this White Hat Wednesday edition of the BHPH Morning Show, we shine a light on the very limitations that often keep dealers stuck — from capital constraints to management tools. But what if those barriers are...
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Lights, Camera, Customers! Guest Ron Heider on Why Video Wins

Join us for a powerful conversation with Ron Heider of Heider Marketing & Advertising as we explore how #BuyHerePayHere and #LeaseHerePayHere dealers can harness the power of video to boost customer engagement and...
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Weds: White Hat Way Certification Digitally Vaulted

On this White Hat Wednesday edition of the BHPH Morning Show, we're proud to announce a significant milestone: the complete White Hat Way Certification Course has now been fully archived in the cloud—professionally...
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Friday: Sharpen Your BHPH Aim for Better Results

In this episode, we draw a bead on a skill every marksman knows: when your focus tightens, your odds of success skyrocket. Tune in at 11 EDT as we explore how the fundamentals of shooting sports—breath control, sight...
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The Courtesy Call Payoff: How Car-Lotta Drives Collections with Conversation

Join Jim and Michelle Rhoads as they sit down with Charles Pompey and Brian Malet of Car-Lotta Credit and Car Sales, featured dealers from the April issue of UCD Magazine. In this episode, these PA dealers shares how...
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White Hat Weds: Contracts in Plain English: Why Clarity Builds Trust

On this White Hat Wednesday edition of the BHPH Morning Show, we sit down with Corinne Kirkendall, EVP of Compliance and Regulatory Affairs at PassTime GPS. We'll discuss how independent dealers are flipping the...
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Fri: Guest Brent Carmichael Joins with Updates on the NIADA Convention and BHPH Education

Join this Friday broadcast as we welcome Brent Carmichael, Director of Education for NIADA and a longtime champion for Buy Here Pay Here dealer success. Brent joins us to unpack the latest in BHPH education, highlight...
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White Hat Weds: When Character Extends Credit with Guest Tommy Brandis

BHPH Dealer and Mid-Atlantic IADA Executive Director Tommy Brandis joins (via pre-recorded conversation) to talk approvals. We'll talk about what this dealer of (nearly) 33 years has learned about the BHPH customer...
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