Stop negotiating with a single buyer. Debexpert puts your Buy Here Pay Here portfolio in front of a nationwide network of vetted investors who compete to give you the top bid.
100% free for sellers · No upfront costs · Avg. close in 14 days
Auction closes in 02:14:36 · 12 buyers bidding
Verified debt buyers
Portfolios auctioned
Average deal close
Seller fees
Why BHPH dealers choose Debexpert
A competitive auction consistently beats a one-on-one negotiation. Here is what you get when you sell your BHPH accounts through Debexpert.
Multiple verified buyers bid on your portfolio simultaneously. Competition drives the price up — performing BHPH loans typically sell at 40–80 cents on the dollar.
No listing fees, no commissions, no upfront costs. You keep 100% of the winning bid. Debexpert is compensated by the buyer side.
From listing to funding, the average deal closes in 14 days — freeing up capital to put more cars on your lot instead of waiting years for payments.
Every buyer on the platform is verified and signs an NDA before seeing your data. Your customer information stays protected throughout the process.
Our team helps you package and present your portfolio to maximize investor appeal — from data preparation to closing documents.
Recourse or non-recourse, servicing released or retained, full sale or partial — structure the transaction the way that fits your dealership.
What you can sell
Whether your accounts are paying like clockwork or long charged-off, there is a buyer for them on Debexpert.
on the dollar, for current accounts with payment history and solid documentation.
on the dollar, depending on account age, state, and documentation quality.
post-repossession balances that still carry real value at auction.
specialized buyers compete for Chapter 7 and Chapter 13 accounts.
How it works
We handle the heavy lifting so you can keep running your dealership.
Our advisors help you prepare and package your account data to make the strongest possible impression on investors.
Your portfolio goes in front of our nationwide network of 500+ verified investors — under NDA, on your terms.
Buyers bid against each other in a live auction. You pick the winning bid and close — on average within 14 days.
What sellers say
"The Debexpert team was professional and responsive from day one. They walked us through the whole process, brought serious buyers to the table, and the auction closed faster than we expected — at a better price than the direct offers we had."— BHPH Dealer, Texas
Get a free, no-obligation valuation of your BHPH accounts. It takes one call — and selling costs you nothing.
Get a Free Valuation