After 40 years in the trenches, Jeff Owings drops a truth bomb that every Buy Here Pay Here dealer ought to hear. In today’s episode, we unpack his powerful message—one part warning, one part wake-up call, and all opportunity. We’ll talk survival, transformation, and why today’s leaner, meaner group of BHPH dealers might just be the best-positioned in history.

From CRR as your lender's North Star to the game-changing rise of AI in underwriting and collections, this episode is a rally cry for dealers to tighten operations, embrace innovation, and seize the moment. If you're still standing, you're not just lucky—you’re battle-tested. Now it's time to get future-ready.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.