Debt types › Auto & BHPH
Sell auto loan deficiencies and buy-here-pay-here notes
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Short answer: Auto lenders and buy-here-pay-here dealers can sell performing notes, skip and deficiency balances left after repossession, and bankruptcy accounts. Performing notes sell for much more than deficiencies, because a deficiency is unsecured. Buyers price on collateral history, documentation and state licensing, so complete repossession and sale records raise bids.
What do buyers check?
- Repossession and sale notices: defects under UCC Article 9 can wipe out a deficiency claim.
- Title, lien status and payment history.
- Recourse or non-recourse structure.
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What else do sellers ask?
Can I sell my buy here pay here notes?
Yes. BHPH dealers sell performing notes, non-performing notes and deficiency balances to note buyers and debt buyers, either in bulk or in smaller packages.
What are BHPH notes worth?
Broker marketing cites roughly 40–80 cents for performing notes and 5–20 cents for skip or deficiency accounts. These figures are not independently verified; age, state and documentation drive the real price.
Can I sell repossession deficiency balances?
Yes, as unsecured charged-off debt, if the repossession and sale notices complied with state UCC Article 9 rules.
Information only, not legal, tax or accounting advice. Price figures are third-party estimates, not offers. Last reviewed: October 2026.