Welcome to our information center about the use of GPS tracking technology in our Buy Here Pay Here (BHPH) inventory. We believe in being completely transparent about our processes, and this page is designed to explain why and how we use these advanced systems. For many individuals working to establish or rebuild their credit, obtaining financing for a reliable vehicle can be a significant hurdle. By equipping our vehicles with GPS technology, we can better manage the assets we finance in-house. This responsible approach to lending allows us to broaden our financing options and provide opportunities for vehicle ownership to a wider range of customers. The technology serves as a security measure that not only protects the vehicle but also helps us continue offering flexible solutions. Explore our financing process to learn more about the steps to getting behind the wheel.
Payment Reminder (optional)
Parking Behavior Report
Accident Notification
Tow Alert
Impound Lots Monitor
Mileage Tracking
Special Relays for Faster Installation
Backup Battery
Accident Notification
Tow Alert
Impound Lots Monitor
Mileage Tracking
OBD Installation (optional)
Backup Battery
Cost Effective Device
Flexible Tracking Intervals
3 Year Battery Life
Our commitment is to help you drive a quality used car, and leveraging modern technology is one way we work toward that goal. These GPS systems offer valuable features like stolen vehicle recovery, which provides peace of mind for both you and us. We understand you may have questions about privacy and how this technology functions, and we are dedicated to providing clear, straightforward answers. Our team is always here to discuss any part of the vehicle purchasing and financing journey with you.
The Role of GPS Technology in BHPH Lending
Buy Here Pay Here (BHPH) financing is a unique solution where the dealership, like us, also acts as the lender. This in-house financing model allows us to work directly with customers who may not qualify for traditional auto loans from banks or credit unions due to their credit history. You can learn more about our dealership and our commitment to the community. Because we are taking on the financial risk ourselves, we implement tools to help manage our portfolio of financed vehicles effectively. One of the most important tools is a modern automotive GPS tracking system.
The primary purpose of a GPS device in a financed vehicle is asset protection. It provides the location of the vehicle, which is the collateral for the loan. This is a standard practice in the BHPH industry and allows lenders to mitigate risk. By reducing risk, we can maintain a flexible lending approach and continue to offer financing opportunities to deserving individuals. It is a system that supports our ability to say "yes" more often. If you are ready to see what options may be available for you, we encourage you to get pre-approved through our secure online form.
How Our Automotive GPS Tracking Systems Benefit You
While GPS tracking is a tool for us as the lender, it also offers significant direct and indirect benefits to you as the vehicle owner. We view this as a partnership, and the technology we use is chosen to provide mutual advantages.
- Stolen Vehicle Recovery: In the unfortunate event your car is stolen, the GPS tracking system is an invaluable asset. We can work with law enforcement to provide real-time location data, drastically increasing the chances of a swift and safe recovery of your vehicle. This feature alone provides incredible peace of mind and protects your investment.
- Enhanced Security: Many GPS systems come with features like geofencing. This allows for virtual boundaries to be set, and if the vehicle crosses a boundary without authorization, an alert can be generated. This adds another layer of security against theft or unauthorized use.
- A Pathway to Vehicle Ownership: The most significant benefit is that this technology underpins our ability to offer in-house financing. For many of our customers, our BHPH program is the key that unlocks the door to owning a reliable vehicle, which is essential for getting to work, taking care of family, and building a better future. The use of GPS is a component that makes this financing model sustainable.
Advanced Features of Modern Vehicle Tracking
The GPS systems we use are more than just simple location trackers. They incorporate a range of technologies designed for effective and responsible asset management. It is important to understand these features.
Payment Reminders: Some devices can be programmed to provide simple, non-intrusive in-vehicle reminders when a payment date is approaching. These often take the form of a soft chime or a brief flashing light. These alerts serve as a helpful courtesy to keep you on track with your payment schedule and avoid late fees, helping you successfully complete your loan and improve your credit standing over time.
Starter Interrupt Technology: In situations of serious loan delinquency where a customer has stopped communicating with us, starter interrupt technology may be used as a last resort in the collections process, subject to all applicable state and federal laws. This feature allows the vehicle's starter to be remotely disabled, preventing the engine from turning on. It does not shut off a vehicle that is already in motion and is used strictly as a tool to prompt communication and resolve a past-due account. Our goal is always to work with our customers to find a solution before this step becomes necessary. Please contact our team immediately if you are having trouble making your payments.
Your Privacy Is Our Priority
We understand that having a GPS device in your vehicle raises valid questions about privacy. We want to be very clear: we take your privacy seriously. Access to the GPS data is strictly controlled and limited to authorized personnel for legitimate business purposes, such as locating a vehicle for repossession after a loan default or assisting law enforcement with a stolen vehicle report. We do not monitor your daily driving habits or share your location data with third parties for marketing purposes. All data is handled securely and in accordance with our comprehensive privacy policy and all relevant regulations. The use of this technology is disclosed upfront in our financing agreements, so you can make a fully informed decision.
Frequently Asked Questions About GPS Tracking
Why is there a GPS tracker on my financed car?
A GPS tracker is installed on vehicles financed through our Buy Here Pay Here program as a form of collateral protection. Since we are the lender, the device helps us manage the risk associated with the loan. This practice allows us to provide financing opportunities to a broader range of customers, including those with challenging credit histories, and it also aids in recovering the vehicle if it is ever stolen.
Is the GPS tracker always active?
Yes, the GPS device is active for the duration of the loan term. It periodically reports the vehicle's location to a secure server. This constant connection is necessary for the system to function correctly for asset protection and to be ready in case of a theft. Once the loan is paid in full, the device is typically deactivated or can be professionally removed.
What specific information does the GPS tracker collect?
The primary information collected by the device is the vehicle's real-time geographic location (latitude and longitude). Some systems may also collect data such as vehicle speed, battery voltage, and ignition status (on/off). This information is used strictly for loan servicing and asset management purposes. We do not monitor your personal trips or daily driving behavior for any other reason.
Who has access to my vehicle's location data?
Access to your vehicle's location data is highly restricted. Only trained and authorized personnel within our finance or collections departments can access this information for legitimate business reasons, such as managing a delinquent account or aiding in a stolen vehicle recovery. We adhere to a strict privacy policy to protect your information.
Can the dealership shut off my car while I am driving?
No. The starter interrupt feature used by our GPS systems cannot disable a vehicle that is already running or in motion. It only prevents the engine from starting. This safety feature is designed to prevent any dangerous situations on the road. The technology is only used in accordance with our financing agreement and applicable laws, typically in cases of severe loan default.
What happens to the GPS tracker after I pay off my loan?
Once your auto loan is paid in full and you have the title to your vehicle, the GPS tracking device will be deactivated. You will no longer be monitored. Depending on the type of device installed, we can arrange for it to be professionally removed from your vehicle at your request. We will provide you with clear instructions on this process as you approach the end of your loan term.
