The primary source for 85% of BHPH inventory. Dealers buy "blocks" of older, high-mileage vehicles to keep costs low.
In BHPH, a "broken car = broken payment." If the car dies, the customer almost always stops paying. buy here pay here bulk purchase
Calculated based on the portfolio's performance, including average APR (often 20%+), payment history, and vehicle age. 📈 The Economics of BHPH Bulk Models Feature Traditional Dealership BHPH Bulk Model Profit Timing Immediate (at sale) Realized over 24–36 months Interest Rate Market rates (low) High (20% to 29%+) Inventory Source Manufacturer/New trade-ins Wholesale auctions/Bulk blocks Risk Management Third-party bank risk Dealer/Investor risk (1:4 fail) ⚠️ Core Risks in Bulk BHPH The primary source for 85% of BHPH inventory