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Built specifically for the BHPH Industry!
Why is an auto GAP plan so important?
Because standard comprehensive and collision auto policies only cover "fair market value" for your auto customer, note that check can be as little as 80% of what they paid for their car, starting the minute they drive it off the lot. This means that if they total the car in an accident, they'll continue to owe you for a car they can no longer drive, a balance they may never pay.
We are anything but traditional...
Reduce upfront cash requirements.
We don’t ask you to pay upfront for the GAP Waiver, which means you can keep costs low for your customer while still providing them with this valuable service.
Convenient payment options.
Charge your customer weekly, bi‐weekly, semi-monthly or monthly for GAP service. There is no upfront, lump fees like with traditional GAP policies.
Recover lost revenue.
PTS GAP allows a dealership to recover from a total loss by restoring the customer’s loan payout you anticipated collecting (up to $2,500.)
Peace of mind for your customer, when it’s needed most.
After a total loss, the consumer no longer has a vehicle; maybe cannot even get to work. Yet they are on the hook for the remainder of a loan they can’t pay off, even after full coverage auto insurance has paid out. Fearful con-sumers may even skip town to find another dealership where they can start again, leaving the dealership with no collateral, no customer and no recourse in a collec-tions / legal nightmare.
But… after forgiving your consumer’s debt and using your PTS GAP program benefits:
- You’ll be able to put your customer into a new vehicle loan right away.
- You’ll be able to continue to help them with financing by starting again.
- Consumer word‐of‐mouth will spread about how your dealership was able to work with them in a time of crisis. “They did right by me,” is advertising everyone wants.
Ready to get started?
Getting started with PTS GAP is easy. Whenever you process a new car sale, you’ll also sell PTS GAP along-side. If you are using one of our software partners, the forms you’ll need are built right in. Choose the billing frequency (weekly, bi‐weekly, monthly) that fits your customer’s ability to pay with convenient cash, check or debit card recurring billing options.
Meet The Team
Tony Farrell, CEO PTS Financial Services
Charles Smitherman, Vice President of Financial Services, General Counsel
Charles Smitherman, Vice President of Financial Services, General Counsel
Tony is a successful entrepreneur that has developed a career out of helping other people and business’.
Tony started his company in 1991, which later turned into PTS Financial Services. The PTS motto is “Our success will be measured by the value of services we provide to our affiliates and their customers.” Every year PTS serves over 300
Tony is a successful entrepreneur that has developed a career out of helping other people and business’.
Tony started his company in 1991, which later turned into PTS Financial Services. The PTS motto is “Our success will be measured by the value of services we provide to our affiliates and their customers.” Every year PTS serves over 3000 separate affiliates with a variety of products and services. While Tony is proud of the past accomplishments of PTS, he is even more excited about the future at PTS.
Charles Smitherman, Vice President of Financial Services, General Counsel
Charles Smitherman, Vice President of Financial Services, General Counsel
Charles Smitherman, Vice President of Financial Services, General Counsel
Charles received his Juris Doctor degree with a focus in corporate law, contract law, and international law from the University Of Georgia School Of Law. He earned his master of legal research with distinction and doctor of philosophy from the University of Oxford, in England. With ever changing consumer protection laws, and our commitmen
Charles received his Juris Doctor degree with a focus in corporate law, contract law, and international law from the University Of Georgia School Of Law. He earned his master of legal research with distinction and doctor of philosophy from the University of Oxford, in England. With ever changing consumer protection laws, and our commitment to compliance, Charles insures we stay compliant with State and federal regul-ations. Having Charles on staff is part of our way of showing our commitment to being both transparent and conpliant.
Krystal Frachiseur, Director of Marketing
Charles Smitherman, Vice President of Financial Services, General Counsel
Krystal Frachiseur, Director of Marketing
Krystal oversees PTS’ marketing programs, brand management, and promotional activities. She is responsible for creating marketing and sales collateral that demonstrates the benefits, features and value of PTS’ products and services. She works closely with each PTS affiliate to help them implement an overall marketing plan. Krystal attende
Krystal oversees PTS’ marketing programs, brand management, and promotional activities. She is responsible for creating marketing and sales collateral that demonstrates the benefits, features and value of PTS’ products and services. She works closely with each PTS affiliate to help them implement an overall marketing plan. Krystal attended Shorter University where she received her Bachelor of Business Administration degree.
Lisa Poe, Auto Program Director
Keshia Mitchell, Affiliate Acquistion Specialist
Keshia Mitchell, Affiliate Acquistion Specialist
Lisa attended Kennesaw State University where she received her Bachelor of Science degree in Information Systems with a minor in Accounting. She has been an employee with PTS Financial Services since 2001. Although Lisa has been involved with several different areas at PTS, she currently provides support for our Auto Club and GAP affiliates and handles claims for both services.
Keshia Mitchell, Affiliate Acquistion Specialist
Keshia Mitchell, Affiliate Acquistion Specialist
Keshia Mitchell, Affiliate Acquistion Specialist
Keshia serves as PTS GAP’s affiliate acquistion specialist and acts as an liaison between the BHPH dealer and PTS. She oversees the dealer-PTS relationship, determines her client’s needs - what they’re looking to achieve short-term and long-term - and ensuring PTS delivers. She has been with PTS since 2014 and has proven to be customer service oriented.