Buy Here Pay Here Payment Center -

1–10 days, 11–30 days, 31–60 days, and 61+ days.

Identifies customers who are delinquent but have paid something recently.

Bad debt expense has risen to approximately 28% of sales due to inflationary pressures on consumers. buy here pay here payment center

Financing income typically accounts for 17% to 18% of total vehicle sales revenue. 📈 Essential Operational Reports

60+ day delinquency reached a high of 6.65% at the end of 2025. 1–10 days, 11–30 days, 31–60 days, and 61+ days

Helps collectors prioritize accounts that have had zero activity versus those making small "good faith" payments. 3. Static Pool (Vintage) Analysis

The percentage of customers who made a "Promise to Pay" and actually followed through. Financing income typically accounts for 17% to 18%

Summarizes cash, credit, ACH, and checks while highlighting NSFs (Non-Sufficient Funds) and chargebacks. 5. Promise-to-Pay (PTP) Kept Rate Purpose: Measures collector effectiveness.