Buy here pay here positions
3 positions, each with what the role does, when a store needs it, what it pays and one flat fee per hire.
In-house financing is a lending business inside the dealership. Its profit depends on underwriting the right deals and collecting on them, so these roles need lending discipline as much as sales skill.
How to pick the right level
- A credit analyst sets terms when the manager can no longer review every application.
- Collections specialists keep delinquency down as the portfolio grows.
- A buy here pay here manager owns underwriting, portfolio results and recoveries.
Every level, what it pays and the fee
Collections Specialist
$500 per hireWorks past-due accounts, arranges payment plans and coordinates recoveries.
When a store needs it: Stores with in-house financing. Pay: $29,540 to $41,600 a year.
Credit Analyst
$5,500 per hireReviews applications and sets terms for in-house or captive financing.
When a store needs it: Stores with in-house financing. Pay: $58,720 to $138,920 a year.
Buy Here Pay Here Manager
$5,500 per hireRuns in-house financing: underwriting, portfolio performance, collections and recoveries.
When a store needs it: Stores with in-house financing. Pay: $76,440 to $101,170 a year.
About store size and pay
Store size guidance reflects how dealerships typically staff as they grow, drawn from our 25 years inside dealerships and recruiting for them since 2012. Every store is different, so we confirm the right level on your intake call.
- Every store: Any franchised or independent dealership
- Mid-size stores: About 100 or more new and used retail units a month, or 50 or more employees
- Large stores: About 250 or more units a month, or 150 or more employees
- Dealer groups: About 3 to 10 rooftops
- Large dealer groups: 10 or more rooftops
- Stores with a body shop, stores with in-house financing and specialty dealers: roles that depend on the business, not its size
Pay bands are what people in each role earn at automobile dealers, from the U.S. Bureau of Labor Statistics (Occupational Employment and Wage Statistics, May 2025), including commissions and bonuses. Most bands run from the 25th to the 75th percentile; senior levels use the upper range of the same occupation. A band marked * uses all-industry figures because BLS does not report that role for auto dealers.