Home - Payment Guardians

Do You Carry the Paper?
Then Job Loss Doesn’t Just Hurt Your Customers, It Hurts Your Portfolio.

A borrower-funded job-loss protection membership designed to help keep the payments coming when customer income is interrupted.

Built for Buy Here Pay Here dealers who carry or service their own accounts.

This is where preventable loss often begins.

Keep Payments Coming When a Customer's Income is Interrupted

When a customer loses income, payments don’t just stop. Collection calls start. Communication breaks down. Default risk rises. And if you carry the paper, the loss lands on you.

Straightforward. Transparent. Effective.

Payment Continuity

Helps qualified customers keep payments coming during covered involuntary job loss, before one missed paycheck turns into a collection problem.

Early Hardship Protection

Gives dealers a practical protection option to offer customers before income interruption becomes delinquency, default, or repossession risk.

You Carry the Paper

If you carry the paper, customer income disruption becomes your problem too. When income stops, your payment stream can become exposed almost immediately.

Customer Support Benefits

In addition to job-loss protection for qualifying customers, the membership may include everyday support benefits that give customers value before a crisis happens.

Simple to Introduce

Designed to fit into your existing sales or enrollment process without complications. Guidance is provided to help you present it clearly to qualified customers.

Stronger Customer Relationships

Positions your dealership as proactive and practical, offering customers a protection option before life knocks them off track.

Built for dealers who carry the paper

If your dealership offers in-house financing or services its own accounts, customer income disruption can quickly become your collection problem. Payment Guardians helps you add a practical protection option before hardship turns into missed payments.