America's Only Buy-Here-Pay-Here Franchise

Own a Franchise Where You Earn From the Sale, the Financing AND the Service — Trusted by 110+ Owners Across 30 States

Stop depending on one way to earn. Byrider gives you three — and the income keeps growing every month whether you sell another car or not.

Most franchises give you one revenue source and dozens of competitors. Byrider gives you three ways to earn under one roof — with zero direct franchise competition anywhere in America.

Owners average $597K a year in take-home income. 35 years proven. 1.2 million customers served. See if your market is available.

Byrider franchise dealership and team

See What Owners Earn & How They Got There

Byrider franchise financial overview
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110+ franchise owners across 30 states
$597KAvg Owner Income
60–70%Monthly Income
$1M+Top 25% by Year 4
0Direct Competitors
Franchise Times Top 400VetFran

Hear From Owners Who Made the Move

"The financing side changed everything for me. You build up loans and they keep generating income month after month — whether you sell another car or not. After years of traditional investing, this was the kind of asset I'd been searching for."

Dale Boone
Dale Boone
Byrider Investor

"I came from a new car dealership. I knew the auto industry, but I didn't know how much more profitable the buy-here-pay-here model could be for me personally. The support from day one — training, technology, marketing — meant I wasn't figuring it out alone. That's what made the transition feel safe."

Dennis Ange
Dennis Ange
Former New Car Dealer

"I started with one location and now operate multiple territories. The beauty is how your loan portfolio compounds over time. Each year, your business becomes more valuable without having to reinvent anything. That predictability is what let me scale with confidence."

Jeff Anderson
Multi-Unit Franchisee, 3+ Territories

Most Franchises Reset to Zero Every Month. Yours Won't.

With Byrider, the loans you close today keep paying you for years. That's income that arrives every month — on top of new sales.

Byrider West Palm Beach franchise location
Before: The Typical Franchise

One Way to Earn. Income Resets Every Month.

Most franchises give you one revenue source, dozens of competitors, and income that resets to zero on the first of every month. Stop selling and you stop earning.

After: The Byrider Model

Three Ways to Earn. Income That Grows Every Month.

You earn when you sell the car, every month from the financing, and again from service. The top 25% of owners reach over $1M a year by their fourth year.

A 35-Year Track Record You Can Verify

35 Years in Business, 110+ Locations

Operating since 1989 across 30 states with more than 1.2 million customers served. This is a proven system, not an unproven concept.

They Publish What Owners Actually Earn

$597K average take-home income. Top 25% earn over $1M by year four. Most franchises won't share these numbers. Byrider publishes them openly.

Your Customers Already Trust the Brand

95% satisfaction (900,000 surveys). 4.6 stars on Consumer Affairs. BBB A+ rated. A brand your customers already recognize.

When the Economy Drops, Your Customer Pool Grows

1.73 million repossessions in 2024 — highest since 2008. When banks tighten lending, more people need what you offer.

Byrider Wausau franchise team — Franchise of the Year winners
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Every Other Option Has a Ceiling. Byrider Doesn't.

Independent dealerships cost too much and leave you on your own. Other franchises give you thin margins and one way to earn. Staying in corporate means watching the ceiling get lower every year.

Byrider Lubbock TX franchise dealership

Three Ways to Earn, Not One

You earn from the car sale. You earn monthly from the financing. You earn again from servicing the vehicle. Three income sources, one location — and 60–70% of your income arrives every month from loans already on the books.

Monthly Income That Grows Automatically

Every car you finance adds another monthly payment to your income. Sell 30 cars this month, and those 30 payments keep arriving next month, and the month after that. It's why 60% of owners expand to multiple locations.

Your Customer Pool Grows When the Economy Drops

1.73 million vehicle repossessions in 2024 — highest since 2008. New car payments now average $742/month. When banks say no, more people need what you offer. Your demand grows when the economy struggles.

You Own the Only Playbook in Your Market

Byrider is the only buy-here-pay-here franchise in America. Nobody else runs this system. Independent dealers exist, but they don't have your software, your training, or your brand behind them.

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Owners Average $597K a Year — And Byrider Publishes the Proof

Most franchises won't tell you what owners actually earn. Byrider puts it in writing.

$597K Avg Owner Take-Home What owners keep after expenses, on average. Published in Byrider's financial disclosures.
$1M+ Top 25% by Year Four The top 25% of owners grow into $1M+ a year by their fourth year.
60–70% Monthly Income Most of your income arrives from loans already on the books — before you sell a single car that month.
$6.3M Avg Revenue Per Location Per established location. Compare that to $713K–$1.5M for other auto franchises.
0 Direct Franchise Competitors No other franchise in America operates buy-here-pay-here. You're the only one running this playbook in your protected territory.
60% Owners Who Expand 60% of owners open more than one location. Once you see the returns from your first, the decision to expand is straightforward.

Ranked #6 among all automotive franchises in the Franchise Times Top 500.

Based on published financial disclosures. Averages across reporting locations. Individual results vary.

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Everything You Need to Run a Byrider Location — From Day One

No automotive experience required. No finance background needed. Byrider trains you on everything and supports you from day one through every stage of growth.

Byrider President's Award winners at franchise convention

72 Hours of Hands-On Training Before You Open

24 hours of sales management, 24 hours of finance and underwriting, and 24 hours of service operations — all at Byrider HQ in Carmel, Indiana before you open your doors.

Software Built Specifically for This Business

Discover manages inventory, financing, collections, and service — all in one platform. Automated risk evaluation, real-time data, and underwriting tools independent dealers can't access.

Marketing That Puts Customers in Your Lot

Digital advertising, local strategies, and national brand presence. Your customers already recognize the Byrider name — you're not building awareness from scratch.

Expert Coaches Who Optimize Your Numbers Monthly

Field consultants with 100+ years combined experience. Monthly reviews of sales, financing, collections, and service metrics. You always know what to improve next.

Byrider Franchise of the Year award ceremony at convention
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Protected Territories Across 47 States — With 110+ Already Operating

110+ locations across 30 states. Byrider's site selection team helps you find the right market — and protected territories mean you won't compete against another Byrider owner.

Most successful owners started with one location and expanded from there.

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Map showing Byrider franchise territories across the United States

Owned by Franchisees — Not a Private Equity Fund

In 2024, six long-time Byrider franchise owners acquired the entire company. The people running the system are owners themselves — with their own money on the line alongside yours.

You See the Numbers Before You Invest a Dollar

Most franchises won't share what owners actually earn. Byrider publishes it openly. You see real revenue, real income, real margins — before you invest a dollar.

Two Entry Points to Match Your Goals

Full model or Byrider Direct — a leaner version where corporate handles the lending side. Whether you want all three income sources or a simpler start, there's an entry point for you.

Find Out If Byrider Is Right For You — In 3 Simple Steps

No pressure. No obligation. Just the information you need to make a confident decision about your future.

Byrider Killeen TX franchise dealership
1

Get the Franchise Overview

Enter your name and email. You'll get the full overview — what owners earn, what it costs, and which territories are open.

2

Have a Discovery Conversation

A candid, no-pressure conversation about the financials, available markets, and what day-to-day ownership actually looks like. We review your background and goals to make sure there's mutual fit.

3

Visit, Talk to Owners, and Decide

Tour existing Byrider locations. Talk to current franchise owners about what they earn and how they got there. Review the financial disclosures with your advisors. Take the time you need — the right decision shouldn't feel rushed.

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Why 110+ Owners Chose Byrider Over Every Other Franchise

60% now own multiple locations. Here are the three reasons they keep coming back for more.

Three Revenue Streams Under One Roof

No other franchise offers this model

Sell vehicles for immediate margins. Provide in-house financing that generates 60–70% of your total revenue through recurring monthly payments. Operate a service center that drives repeat business. Three ways to earn from every customer. One location. One integrated system.

A Business That Grows More Valuable Every Year

Your income grows every month you own it

Unlike most franchises where revenue resets monthly, your Byrider loan portfolio grows automatically. Every vehicle you sell and finance adds another stream of monthly payments to your portfolio. By year four, the top 25% of owners are earning over $1M a year.

Protected Territory. Zero Franchise Competition.

The only franchise of its kind in America

Protected territories mean zero competition from fellow franchisees. And because no other franchise operates buy-here-pay-here, nobody runs your exact playbook anywhere in the country. Independent dealers lack your software, your training, and your brand.

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Byrider Terre Haute IN franchise location

Frequently Asked Questions

The franchise fee is $60,000 and the total investment ranges from $947K to $1.58M depending on your market. The largest component is the working capital reserve ($650K–$1.1M), which funds your loan portfolio ramp — this is the money that starts compounding for you. A lower-capital Byrider Direct model starting around $378K is also available with no royalties and corporate-handled underwriting and collections.
No. Byrider was designed for people without an automotive or finance background. You receive 72 hours of hands-on training — 24 hours of sales management, 24 hours of finance and underwriting, 24 hours of vehicle service operations — at headquarters in Carmel, Indiana. Field consultants provide ongoing support so you are never operating alone.
Most franchise owners open within 9 to 12 months of signing. Byrider's real estate team helps with site selection, buildout, and inventory acquisition so you're not navigating those steps alone.
Field consultants with 100+ years of combined experience visit regularly to review your KPIs and help you optimize. Plus national marketing, digital advertising support, the proprietary Discover software platform, and an annual franchisee conference. Monthly coaching calls focus on the metrics that matter most to your income: sales volume, financing approvals, collections performance, and service utilization.
Byrider is the only buy-here-pay-here franchise in America. You earn three ways: from the car sale, from financing the car every month, and from servicing it. 60–70% of your income comes from loans already on the books. Owners average $597K a year — and Byrider is one of the few franchises that publishes what owners actually earn.
Yes — and 60% of Byrider owners already do. Each new location adds another set of monthly loan payments to your income. Most owners started with one location and expanded once they saw the returns firsthand.
Yes. Byrider allows semi-absentee ownership. You'll need a qualified general manager running daily operations, but you don't have to be on the lot every day. Many multi-unit franchisees operate this way — they focus on strategy and financials while their GMs handle the floor. The Discover software platform gives you real-time visibility into every metric from anywhere.
Byrider has managed subprime lending compliance for 35+ years across 30 states. You get a built-in compliance framework, proprietary underwriting tools that systematize lending decisions, and a custom credit scorecard refined over decades of data. If you prefer not to manage the lending side at all, Byrider Direct lets corporate handle underwriting, loan origination, and collections entirely — you focus on vehicle sales and service only.

Get the Full Picture — What Owners Earn, What It Costs, and Which Territories Are Open

110+ owners across 30 states already made the move. See if it makes sense for you.

$597K Avg Owner Take-Home
$1M+ Top 25% by Year 4
60–70% Monthly Income
0 Direct Competitors
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