About Payment Guardians
Practical Payment Protection for Dealers Who Carry the Paper
Payment Guardians helps Buy Here Pay Here dealers, in-house financing dealers, and businesses that service their own accounts offer job-loss protection to qualified customers before hardship turns into missed payments, collections, or repossession risk.
Who We Are
Payment Guardians focuses on one simple problem: when a customer loses income, payments can stop fast. For dealers who carry the paper, that income disruption can quickly become a collection problem.
Our Mission
Our mission is to help dealers offer a practical, borrower-funded protection option that supports qualified customers during covered involuntary job-loss situations and helps keep payments current.
Additional Benefits
- Medical Tele-Visits
- Mental Health Support
- Legal Services
- Identity Theft Protection
- Debt Management Services
- Financial Counseling Services
More Than Job-Loss Protection
01.
Medical Tele-Visits
Customers can access convenient medical support without always needing an in-person visit.
02.
Mental Health Support
Psychologists and therapists available to help customers through stressful life situations.
03.
Legal Services
Legal support can help customers handle everyday legal questions before they become bigger problems.
04.
Identity Theft Protection
Identity theft support helps customers respond faster if their personal information is compromised.
05.
Debt Management Services
Debt management support can help customers get guidance when financial pressure starts building.
06.
Financial Counseling Services
Financial counseling gives customers practical support with budgeting, debt, and money decisions.
Why Dealers Use Payment Guardians
Payment Guardians gives dealers who carry the paper a practical way to offer payment protection before customer hardship turns into missed payments, collections, or repossession risk.
This is designed for dealers who understand that when customer income stops, payment risk lands on the business too.
The membership can be introduced during your existing sales or enrollment process without creating a complicated new system.
The program is borrower-funded, so dealers can offer a protection option without taking on the monthly cost themselves.
For customers who qualify, job-loss protection may help keep payments coming during covered involuntary unemployment.
The additional benefits give customers support they can use immediately, even before a job-loss claim is ever needed.
When customers have a protection option before hardship becomes delinquency, dealers may have fewer accounts going silent after income disruption.
Ready to See If This Fits Your Dealership?
If you carry the paper and want a practical way to offer job-loss payment protection to qualified customers, start with a short conversation.