A buy here pay here website is only half the job
BHPH software handles the loan. A website handles the storefront. Confuse the two and you'll buy the wrong thing, or expect one tool to do a job it was never built for.
GridDealer plans start at $20/mo · cancel any time, no setup fee
What buy here pay here software actually is
Buy here pay here software is loan-servicing software — platforms like MSP, FEX DMS, Auto Master Systems, Neo 360 and DealerCenter's own BHPH module — built to track in-house financing, payments and collections. It is not a public website. GridDealer, priced from $20 to $300 a month, is the storefront piece a BHPH lot still needs separately.
If you run BHPH, you've probably already found this out the hard way: whatever handles your loan book almost never doubles as a place buyers can actually browse your cars. That's not a gap in those products — it's not what they were built to do.
The distinction that matters: servicing the loan vs. showing the car
Be blunt about this one, because it's where people get burned: no BHPH platform on the market and no website builder, GridDealer included, does both jobs well at once.
Runs the loan, after the sale
MSP (Constellation), FEX DMS, Auto Master Systems (running since 1987), Neo 360 and DealerCenter's BHPH module handle payment schedules, collections and loan servicing — the part of the business that starts once a car is sold.
None of them are built as a public-facing storefront for shoppers still deciding which car to buy.
Runs the storefront, before the sale
A customizable merchandising grid, VIN-decode-assisted listing entry, and a dedicated page per vehicle built for Facebook Marketplace, Instagram or a direct text to a buyer.
Nothing about loan terms, payment schedules or collections lives in GridDealer. It was never built to.
What a full BHPH stack actually needs
Two separate systems, doing two separate jobs, both real requirements for the same lot.
- Loan origination & servicing
- Structuring the in-house loan, scheduling payments, and tracking balances over the life of the note.
- Collections
- Tracking missed payments and managing the collections process — a core function of MSP, FEX DMS and Auto Master Systems.
- Public inventory storefront
- A place a buyer finds the car in the first place, before any loan conversation happens — the piece GridDealer covers. See how a storefront differs from a full DMS for the broader version of this split.
- Lead tracking
- Some BHPH platforms, and DealerCenter's own module, layer in lead or contact tracking near the loan side. GridDealer has none — see whether you actually need that bundled in.
Loan servicing vs. storefront, side by side
Scroll the table sideways on a phone
| Job | BHPH software | GridDealer |
|---|---|---|
| Loan structuring & payment schedules | Yes — core function | No |
| Collections tracking | Yes — core function | No |
| Public storefront for shoppers | No | Yes — the entire product |
| Per-vehicle shareable page | Not typically | Yes, built for Facebook Marketplace and texting |
| Customizable merchandising layout | No | Yes |
| Priced by active-listing count | Not applicable | Yes — $20 to $300/mo |
BHPH platform names and their focus on loan servicing come from public sources found via web search in September 2026. No BHPH platform pricing is stated because none was independently verified.
What each piece costs, and why you need both
GridDealer's side of this is simple: $20/mo up to 15 active listings, $50/mo up to 50, $100/mo up to 150, $300/mo for 300 or more, cancel any time. Whatever your BHPH platform costs is a separate line item entirely — this page won't guess at a figure that wasn't independently verified.
The arithmetic that actually matters here isn't a price comparison. It's that skipping the storefront to save the GridDealer cost still leaves you with cars only findable through a Facebook group or word of mouth, while skipping the BHPH software to save its cost leaves you tracking loan payments by hand. Neither shortcut is really cheaper once you count the lost sales or the missed payments.
How to tell what you're actually missing
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Are you originating and servicing the loans yourself?
If yes, you need dedicated BHPH software — MSP, FEX DMS, Auto Master Systems, Neo 360 or DealerCenter's BHPH module all focus on exactly that.
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Can buyers actually find and browse your inventory today?
If the honest answer is "only if they already know to ask," that's the storefront gap, not a loan-servicing gap.
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Are you missing both?
That's common for a lot that grew out of word-of-mouth sales. Both pieces need solving, but they're two separate purchases, not one.
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Are you hoping one tool replaces the other?
Be honest here: GridDealer will not track a loan, a payment schedule or a collections case, and it isn't trying to. If that's what you actually need, this page's product is the wrong purchase — go get the BHPH software first.
Common questions
What software do buy here pay here dealers actually use?
Named platforms include MSP Buy Here Pay Here Software (Constellation), FEX DMS from Finance Express, Auto Master Systems, Neo 360, and DealerCenter's own BHPH module. All focus on loan servicing and collections.
Does GridDealer replace my BHPH software?
No, and it isn't trying to. GridDealer has no loan servicing, payment scheduling or collections tooling anywhere in it. It's a public storefront only.
Do I really need two separate systems for a BHPH lot?
In most cases, yes. Loan servicing and a public storefront are different jobs, and no platform in this space, GridDealer included, does both at once today.
What does buy here pay here software cost?
No BHPH platform pricing was independently verified for this page, so none is stated. GridDealer's own storefront pricing runs $20 to $300 a month by active-listing count.
Is a separate storefront worth it if I already sell by word of mouth?
A dedicated page per vehicle, built for sharing to Facebook Marketplace or Instagram or texting a buyer directly, usually reaches further than word of mouth alone — but that's a judgment call for your lot, not a guaranteed number.
Get the storefront piece right, separately from the loan piece
See your price by listing count, add your first vehicle by VIN, and keep your BHPH software doing what it's already built for.
Plans from $20/mo · cancel any time, no setup fee
Prices reflect GridDealer's published plans as of September 2026 and are subject to change. BHPH platform names are cited from public sources found via web search in September 2026; no BHPH pricing was independently verified.