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

[WEDS] White Hat Way Dealer Spotlight: Tyrone Auto Credit (PA)

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”...
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[FRI] Portfolio Yield Detail - How Other Dealers Have Collected Thru Oct 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'...
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[WEDS] Do You Love What You Do, BHPH Dealers? Why It Matters 📱

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...
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[FRI] Oct YTD vs 2024: Key Data Points from V8 Dealer Groups

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...
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[Weds] Two Roads, One Journey: Where Dealers and Customers Meet in BHPH 📱

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...
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[Weds] White Hat Look at Primalend's BK and the Ripple Effect for BHPH Dealers

When a major lender like PrimaLend hits the bankruptcy courts, the shockwaves don’t stop at Wall Street — they ripple straight through Main Street and BHPH's "Note Row." In this episode, we take a White Hat look at...
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[FRI] Bridging the SNAP Gap: 10 Ideas for Building Goodwill in BHPH

In today’s episode, we’re tackling a real-world challenge with a heart-centered lens — the growing “SNAP gap.” As delays in food assistance are expected to ripple through communities, Buy Here Pay Here dealers have a...
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[WH Weds] The BHPH Customer Journey: Who's Along for the Ride?

In today’s White Hat Wednesday episode of the BHPH Morning Show, Jim and Michelle share an exciting preview of a new podcast track coming soon — The BHPH Journey, hosted by Jim and the AI voice agent, Sage. This new...
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[FRIDAY] White Hat Math: Banked Value Index Explained

In today’s episode, we pull back the curtain on one of the most revealing new measuring sticks in the Buy Here Pay Here industry — White Hat Way's Banked Value Index. This isn’t about accounting gimmicks or P&L...
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[WEDS] Ghosted: Why Your Customers Don’t Pick Up the Phone

Most collection teams think the problem is that customers won’t answer the phone. The truth? The problem is why they don’t. In this White Hat Wednesday episode, Jim and Michelle Rhoads takes us inside the psychology...
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[FRI] When the Headlines Hit: What’s Knowable in the Tricolor Story

In this (delayed but live) episode of the BHPH Morning Show, we unpack the unfolding Tricolor Auto story — not to chase headlines, but to ground ourselves in what can actually be known. As social media fills with...
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[FRIDAY] Slow Drip Dilemma: Fixing Collection Inefficiencies (the Missing Money)

In this episode, we're tackling the subtle yet stubborn issue of collection inefficiency in the Buy Here Pay Here world. Think of it as a slow drip from a leaky faucet—over time, those tiny leaks add up to a whole lot...
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