The BHPH Morning Show

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 across the US. Aired live W & F #BHPH, #Subprime, #Auto

About PodLP

PodLP is the leading podcast app for feature phones. With 10M+ installs in nearly every country, PodLP is available for KaiOS on the KaiStore and JioStore, as well as Cloud Phone and Android. If you're interested in promoting "The BHPH Morning Show" on PodLP, contact sales@podlp.com.

Screenshots are mockup renders of PodLP for KaiOS. Actual design may vary based on platform, operating system, and app version.

The BHPH Morning Show

Episodes (478)

Apr 25th [YouTube Saturday] Hold the Line ... or Move the Metal??? The Down Payment Dilemma 📱
Apr 17th [FRI] The Kitchen Table Conversations: When Business Comes Home
Apr 11th [SATURDAY - YouTube Only] Aged Inventory: Asset or Liability???

The BHPH Morning Show

Apr 25, 2026
50½ minutes
46 MB

Every BHPH dealer faces it: do you hold firm for larger down payments because of the perceived reduction in risk per contract, or do you accept lower money down in order to move more units, grow receivables, and increase incoming cash flow? On this episode, we break down one of the most important judgment calls in the business. Is more cash up front always the safer move, or can it quietly choke sales volume, future payment streams, and overall profitability? On the other side, when does lowering the down payment create smart growth—and when does it si...

The BHPH Morning Show

[YouTube Saturday] Hold the Line ... or Move the Metal??? The Down Payment Dilemma 📱

Jim & Michelle Rhoads

00:00 -50:25