#1 Rated Mobile Appfor Your BHPH Customers.
Your collections team, without the calling.
Carpay runs account management, reminders, and payment channels for your dealership so your staff can focus on closing deals — not chasing payments.
"Carpay has really been a great addition to our business operations. It’s been instrumental in how we manage our customer payments and collections. We have our customers utilize the mobile app and online payment portal to make their payments. This helps us collect our payments faster and has reduced our monthly delinquencies."
Auto Brokers of Orlando · FL
Go live this week.
White glove onboarding.
Setup in a week, not a quarter.
Import your loan book, map fields, and go live — our team handles the migration.
Plugs into your DMS.
Bidirectional sync with every major BHPH DMS — no double entry, no manual exports, no Excel.
Real BHPH humans, not a ticket queue.
Phone, text, or email a team that has actually run BHPH lots — most replies in under 15 minutes during business hours.
Four payment channels. One login.
Whether your customer prefers an app, a text, a phone call, or the web, all of your bases will be covered by one vendor.
Mobile app
Face ID login, balance, amount due, and one-tap payments. Autopay toggles and saved methods.
SMS
Payer texts PAY — Carpay instantly charges their card on file. No login, no app, done in seconds.
IVR self-service
A 24/7 line where payers make a payment or check a balance — no agent required, no business hours to wait for.
Website
A "Make Payment" button on your website, or customers can go to carpay.com to have full access to their accounts.
Your entire portfolio. One screen.
See every loan, every payment, every reminder — in real time. Autopay adoption, delinquency aging, and which reminders are actually getting paid, all in one view.
Real-time portfolio summary
Open customers, autopay adoption, registered payers — refreshed every minute, not nightly.
Delinquency aging at a glance
Accounts bucketed Current → 91+ days with trend lines you can act on — not just stare at.
Reminder analytics
Texts and emails sent, payments collected,
and which channels actually move the needle.
Multi-lot, one login
Switch between dealerships from a single account. Roll-up numbers across every lot
you run.
Reminders that actually get paid.
Carpay sends the right message, at the right time, on the right channel, and escalates only when a human needs to step in.
Cadenced reminders
Custom schedule of texts/emails/push notifications built how your dealership manages collections.
Two-way SMS
Payers reply PAY to charge their card on file, or simply reply to the message to get in touch with your team.
Smart escalation
Accounts are flagged for your review when the system notices data that might lead to early signs of risk.
Why dealers love Carpay.
The data speaks for itself.
Loved by dealers. Loved by payers.
"I am very pleased. Easy online access. You can pay car payment here. Shows you payment history, balance and reminder for next payment. I recommend it to anyone. Saves a lot of time and hassle from trying to pay over the phone."
"Very easy app to use. Also very convenient!"
"I love this app its so easy to just click and pay without you going to the dealership in person"
See Carpay with your own loan book.
30-minute live demo with a BHPH specialist. We'll show you exactly how Carpay can work with your portfolio and collections process