DCS Market Insights: Rising Delinquencies? Our DMS Simplifies Underwriting to Keep Your LHPH Dealership Ahead

Independent dealers are facing a tightening market. According to recent analysis from Moody’s Analytics, early-stage auto delinquencies are climbing—30-day past-due rates reached 2.13% in June, with finance companies reporting 3.05% compared to just 1.19% at banks. For Lease Here Pay Here (LHPH) and Buy Here Pay Here (BHPH) operations, this shift signals what may be a more cautious lending and underwriting environment.

At Dealer Controlled Solutions (DCS), we recognize that disciplined underwriting isn’t just about risk management—it’s about protecting your cash flow, maintaining customer relationships, and fueling sustainable growth. Our cloud-based Dealer Management System (DMS) equips dealers with the tools to simplify underwriting while staying ahead of rising delinquency trends.

How DCS Simplifies Underwriting for Dealers

Our DMS was built with independent and franchise dealers in mind. By centralizing underwriting functions into one platform, it gives your team the ability to act faster, smarter, and with greater accuracy.

Tailored Training & Processes

Dealers gain access to guided workflows and built-in training resources, ensuring staff follow best practices from the start. This consistency helps reduce risk, prevent errors, and spot red flags before they turn into defaults.

Automated Compliance

DCS automatically generates 50-state-compliant contracts, minimizing costly mistakes and guaranteeing every deal aligns with regulatory requirements. Compliance becomes effortless, not an afterthought.

Real-Time Insights

With real-time alerts and analytics, dealers can evaluate buyer risk instantly. This makes it easier to identify high-risk units that could lead to repossessions, helping safeguard your portfolio.

Streamlined Workflows

From credit checks to deal structuring, DCS brings every underwriting task into a single, intuitive dashboard. The result: less time chasing paperwork and more time closing profitable deals.

Why This Matters Now

Today’s market pressures are unique. Dealers are navigating rushed pre-tariff vehicle purchases, the restart of student loan payments, and a consumer base showing early stress. In this environment, rushed or inconsistent underwriting can quickly erode profitability.

With delinquencies on the rise, protecting assets and cash flow requires more than intuition—it requires data, discipline, and the right technology. DCS gives dealers the advantage of both.

Stay Ahead with DCS

At DCS, we’re more than a software provider—we’re a partner to independent dealers. Our platform is designed to empower LHPH and BHPH operators with tools, insights, and automation to stay ahead of market shifts and protect profitability.

If you’re ready to strengthen your underwriting process and navigate today’s challenges with confidence, it’s time to put DCS to work for your dealership.

‍