TEMECULA, Calif. -- Payment Protection Systems, the

manufacturer of the ON TIME collection technology, introduced a new credit management system that utilizes ON TIME.

ON TIME is used by dealers and loan holders that provide financing to high-risk credit borrowers. Installed under a car's dashboard, ON TIME alerts the owner through a series of flashing lights that a loan payment is due. The car is prevented from starting unless the car loan payment is paid on time.

PPS is now offering dealers a complete menu of credit management options that utilize its ON TIME system.

The ON TIME Classic program combines the technology with the dealer's own collection system.

The ON TIME Elite program offers an enhanced ON TIME product that features an Anti-Tamper system, which makes it virtually impossible to remove the system from the car. Incorporating advanced wireless relay technology, the Anti-Tamper system was recognized by the U.S. Patent Office as a new form of technology on its patent application.

The ON TIME Ultimate program gives dealers a complete turnkey collection system. It combines ON TIME Anti-Tamper technology with complete portfolio management, which includes loan financing, loan servicing and insurance programs. PPS provides the third-party infrastructure to help dealers become more profitable and successful.