Top Technology Tips for BHPH Dealers in 2025

2025 is shaping up to be a pivotal year for BHPH dealers. With rising delinquencies, tighter margins, higher operational workload, and growing expectations from borrowers, technology is no longer optional—it’s the backbone of a competitive dealership.

Whether you’re operating 50 accounts or 5,000, the right tech stack can improve collections, reduce overhead, minimize risk, and create a smoother experience for both your team and your customers.

Here are the top technology tips every BHPH dealer should consider in 2025.

A modern car dealership with a variety of vehicles on display.

1. Prioritize Cloud-Based Systems Over Legacy Software

Many BHPH dealers still use desktop-based DMS platforms that rely on remote desktops, VPNs, or onsite servers. While familiar, these systems slow down operations and limit access.

In 2025, cloud-based systems offer major advantages:

✔ Faster performance✔ Real-time updates✔ No installations or servers✔ Staff can work from anywhere✔ Better integrations with other tools

Dealers who move to cloud platforms consistently report higher efficiency and fewer technical issues.

2. Automate Your Collections Workflow

Collections remain one of the most labor-intensive parts of the BHPH business. Manual reminders, phone calls, and follow-ups consume hours every day.

Modern systems now give dealers access to:

• automated payment reminders

• automated missed-payment alerts

• scheduled messaging workflows

• in-system text/email communication

• event-triggered actions

Automation dramatically reduces workload while improving consistency.

Dealers who adopt automated collections often see faster payments and fewer accounts slipping into delinquency.

3. Adopt Text Messaging as a Primary Communication Channel

Borrowers today rarely answer phone calls—but they almost always read texts.

Text messaging improves:

✔ response rates✔ payment follow-through✔ appointment confirmations✔ insurance updates✔ overall customer engagement

Systems that embed texting inside the platform (not via external apps) offer the biggest benefit because they keep communication tied to the loan record.

4. Implement Built-In eSign for Faster, Error-Free Contracting

Paper-based contracts and manual signatures slow down deal flow and introduce mistakes.

In 2025, BHPH dealers should rely on:

✔ digital contracting✔ built-in eSign tools✔ automated document templates✔ instant delivery to borrowers

This improves the customer experience and reduces the time it takes to finalize a deal—from hours to minutes.

5. Use Insurance Tracking Automation to Reduce Portfolio Risk

Uninsured vehicles create massive financial risk—especially when repossessions or accidents occur.

Automating insurance tracking helps dealers:

✔ detect lapses quickly✔ communicate with customers instantly✔ manage CPI workflows✔ avoid losses during claims

Relying on manual monitoring or calling carriers is no longer sustainable for growing operations.

6. Embrace AI-Powered Tools for Better Efficiency

AI usage is rapidly increasing in auto finance. While adoption is still early, forward-thinking dealers are already using AI to:

• send personalized borrower messages

• improve collections workflows

• detect risk patterns

• streamline daily tasks

• reduce staff workload

AI doesn’t replace staff—it enhances them.Dealers using AI effectively are seeing improved engagement and stronger operational performance.

7. Choose Systems with Open Integrations (Avoid Vendor Lock-In)

Many DMS platforms limit the GPS providers, payment processors, or insurance vendors you can work with. This creates frustration, higher costs, and operational limitations.

In 2025, choose systems that offer:

✔ open APIs✔ freedom to choose payment partners✔ flexibility with GPS and telematics✔ compatibility with third-party tools

Open architecture lets you build a tech stack that fits your operation—not one you're forced into.

8. Streamline Payments With Modern, Mobile-First Options

Borrowers expect convenient, frictionless payment experiences.

Dealers should ensure their system supports:✔ online payments✔ mobile payments✔ recurring billing✔ saved payment methods✔ payment reminders✔ auto-posting

The easier you make payments, the faster customers pay.

9. Improve Reporting With Real-Time Dashboards

In BHPH operations, cashflow visibility and delinquency tracking are everything.

Instead of relying on PDF exports or outdated reports, dealers should use dashboards that show:

• real-time account status

• expected cashflow

• upcoming payments

• delinquency breakdown

• insurance status

• collector performance

Better visibility leads to better decisions.

10. Train Staff on Your Technology (This Is the Most Overlooked Tip)

Even the best system fails if the team doesn’t know how to use it.

Dealers should invest in:✔ ongoing staff training✔ refresher sessions✔ onboarding new team members properly✔ updating workflows when software updates roll out

Well-trained teams get the full value from their systems—and avoid costly mistakes.

Final Thoughts for 2025

The BHPH industry is evolving. Borrowers expect more.Regulations are changing.Margins are shrinking.Workloads are increasing.

Dealers who embrace modern technology are better positioned to:

• reduce operational costs

• improve collections performance

• protect their portfolio

• offer a better borrower experience

• scale their business efficiently

Cloud-native platforms, automation, open integrations, built-in eSign, insurance tracking, mobile payments, and AI tools are no longer “future features”—they’re becoming the industry standard.

The dealers who adopt these tools early will lead the market in 2025 and beyond.