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

"Suitcasing" Controversy: Why It Matters and To Whom

We found ourselves in the crosshairs of someone's controversy in the BHPH/LHPH vendor world about "suitcasing" β€” the practice of pitching business at industry events without paying for a booth (not our situation)....
View Episode

The Trust Layer for Deep Data: White Hat Way's Latest Move

Announcement: White Hat Way Partners with LendRisk Analytics White Hat Way just extended its trust-first mission into a new layer of the industry: deep data analytics. In this episode, Jim Rhoads breaks down WHW's...
View Episode

Sunday: Sermon on the BHPH Intangibles

Every dealer's got a spreadsheet full of straight lines β€” KPIs, ratios, reports that tell you exactly where you stand. But there's a whole other side of the business that refuses to sit in a column: trust, culture,...
View Episode

Reminder: BHPH Data Integrity Will Still Matter Tomorrow

Software changes. Dealers' practices may change. But here's what doesn't change unless we work together to fix it: data will remain unclean with gaps and limited reliability. On today's show, Jim & Michelle Rhoads...
View Episode

Deal Structure on Trial: AI Made the Case, V8 Members Rendered Verdict πŸ“±

AI flagged a deal structure problem. A room full of experienced BHPH dealers confirmed it. And one member changed a pricing approach they'd held onto for years β€” maybe their whole career. In this episode of the BHPH...
View Episode

The Fed Went Digging: What Washington Just Learned About the BHPH Business

The Federal Reserve doesn't study industries without a reason β€” and in May 2026, they published a deep-dive report on the Buy Here Pay Here sector that every independent dealer needs to read. Five Fed economists spent...
View Episode

"Ready to Trade, Mr. Customer?" One Advantage of Lease Here Pay Here

Every dealer wants repeat business. But in the Buy Here Pay Here world, getting a customer back in the door for their next car is more art than science β€” and more hope than system. You finish financing their car, they...
View Episode

BHPH Economic News According to Claude AI

The economy looks fine β€” unless you're in it. In today's episode, Jim and Michelle break down the biggest headlines shaking the BHPH world right now, with a little help from AI. From the billion-dollar fraud collapse...
View Episode

BHPH Report Cards Are In ... WHW's New Business Model Indexβ„’ [Episode 2 of 2] πŸ“±

[Episode 2 of 2 - find #1 by same title on YouTube] For decades, Buy Here Pay Here and Lease Here Pay Here dealers have run their operations on instinct, experience, and fragmented data β€” never quite sure how well...
View Episode

Report Cards Are In! Introducing the WHW Business Model Indexβ„’ [Episode 1 of 2]

The BHPH industry will never grade itself the same way again. For decades, Buy Here Pay Here and Lease Here Pay Here dealers have run their operations on instinct, experience, and fragmented data β€” never quite sure...
View Episode

Your Recon Bottleneck: How to Permanently Break the Dam!

Every BHPH dealer I've ever talked to knows the feeling. Cars sitting in the shop. Techs backed up. Inventory that can't hit the lot because recon isn't done. And somewhere in the back of your mind, you know β€” if I...
View Episode

[FRI] The New Standard: What Great Dealership Customer Service Actually Looks Like in 2026

The bar has moved β€” and the dealers winning right now know it. Jim sits down live with operators who are in the middle of it, talking candidly about what great customer service actually has to look like in 2026. The...
View Episode