Loan management software built for Buy Here Pay Here.
Your DMS writes the deal. Carpay collects on it: payments, reminders, automated collections, and portfolio reporting. It was built by a BHPH dealer for his own dealership, because chasing payments all day is work the software should do.
Every easy path between “I need to pay my car note” and “paid.”
Delinquency starts with friction. The more ways a customer can pay the moment they think of it, the fewer accounts go late. So Carpay gives them five, and every one lands in the same dealer dashboard.
Mobile app
iOS and Android. Balance, due date, saved cards, autopay toggles, one-tap payment, emailed receipts.
Web portal
pay.carpay.com from any browser, or a “Make a Payment” button on the dealership’s own site.
Text-to-pay
The customer replies PAY to a reminder and the card on file is charged. They never have to log in to anything.
Phone, 24/7
Automated IVR takes payments and gives balances around the clock, with no agent and no business hours.
Cash
A barcode from the app or a text, paid at participating retail locations. Free for the dealership to enable.
Collections that run on schedule, not on memory.
The two levers that decide whether a BHPH portfolio performs: how many customers are on autopay, and how consistently the late ones hear from you. Carpay automates both.
Work Late Accounts™
Automated follow-up for past-due accounts. Filter by a days-late range, like accounts 5 to 10 days late, pick a sequence template, and turn it on. Text and email reminders then go out on schedule, every time, without anyone having to remember to send them.
Dealers monitor status, pause a sequence for a specific customer, and see delivery and response history. Smart escalation flags accounts showing early signs of risk, so a person steps in when one is needed.
Autopay & Smart Auto-Pay
The biggest lever there is on on-time payment. Customers enroll themselves from the app or web portal, or staff enroll them while taking a payment, and the dashboard tracks autopay adoption front and center.
Reminders by text, email, and push run on the schedule your dealership sets, unlimited. Two-way SMS means a reply of PAY is a payment, and any other reply reaches your staff.
One screen that answers “who do I call first?”
The dealer dashboard is the portfolio in operating terms: who paid, who’s late and how late, who’s on autopay, and which accounts need attention today.
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Delinquency aging
Who is behind, sorted by how far behind. It’s the number that decides whether a BHPH lot survives, and it stays current and in front of you.
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Autopay adoption
Tracked right on the dashboard, so the biggest lever on delinquency is also the one you watch move.
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A communications record that holds up
Every text and email, with Delivered and Non-Delivered tabs, so when a customer says they never got the reminder, you know. Exports to CSV and PDF.
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Dealer-level controls
Unlimited users with Admin and Regular roles, per-location access for multi-store operations, and permissioned access to financial data.
Keep the DMS you have. Carpay posts to it.
Carpay is not a DMS and doesn’t ask you to replace one. It collects the payments and syncs with the system your lot already runs on.
Payments post back to the DMS automatically on most supported systems. If you run a DMS we should know about, ask in the demo and we’ll show you how the sync works on yours. New to the terminology? The BHPH glossary covers DMS, servicing, aging and the rest in plain English.
Month-to-month. No contracts. Nothing out of pocket to start.
Fees are customized per dealership and cover both the software and the payment processing, because a 200-account weekly-pay book and a 200-account monthly-pay book are not the same business. When you compare proposals, run the numbers on your own portfolio, not an average customer.
- Month-to-month, with no contracts and no commitments
- No cancellation fees if you stop using the platform
- No out-of-pocket cost to start
- Set your own convenience fees, or run on platform fees
Questions dealers ask us about loan management software.
Software that runs everything after the sale: taking payments, sending reminders, tracking who is behind, automating collections, and reporting on the portfolio. In BHPH terms, it’s the servicing side of the business. A DMS writes the deal; loan management software collects on it.
A DMS writes the deal, prints the paperwork, and keeps the books. Carpay handles the years after: payments, reminders, collections, delinquency tracking. It sits on top of the DMS and posts payments back, so your DMS stays the system of record.
All major BHPH DMS platforms. On most of them, payments post back to the DMS automatically. Ask about yours in the demo and we’ll walk through how the sync works on your system.
Work Late Accounts™ runs predetermined text and email sequences against past-due accounts: filter by a days-late range, pick a sequence template, and turn it on. Dealers can pause sequences per customer and track delivery and responses, and smart escalation flags risky accounts for review. It supports your collections work. It doesn’t pretend to replace the call a person should make.
Five ways under one dealer login: the mobile app (iOS and Android), the web portal at pay.carpay.com, text-to-pay (reply PAY to charge the card on file), automated phone IVR available 24/7, and cash at participating retail locations by barcode. Autopay runs on top of any saved method, and we wrote up how dealers drive adoption.
Month-to-month with no contracts and no cancellation fees, and nothing out of pocket to start. Fees are customized per dealership and cover the software and the payment processing; dealers either set and collect their own convenience fees or run on platform fees. Cash payments are free for the dealership to enable, and the customer pays a $4 service charge.
Yes. iOS and Android, rated 4.8 with more than 5,000 App Store reviews. Balance, due date, schedule, history, saved payment methods, autopay toggles, one-tap payments, and emailed receipts.
We wrote the comparison dealers keep asking for, feature by feature: Carpay vs. BlytzPay. The short version: Blytz is text-first; Carpay gives customers five ways to pay including the #1 rated BHPH mobile app, and is built around the BHPH DMS ecosystem.
Pick a time that works.
30 minutes, screen shared, with a BHPH specialist. Bring the account three days late, the failed autopay, the weekly payer, and the cash walk-in, and we’ll work them live.
Built by a BHPH dealer. Run by one, too.
Carpay started at our founder’s own Buy Here Pay Here lot, where collecting payments wasn’t one part of the business. It was the business. We’re still a BHPH dealership at heart.
Or call/text now: 877-388-4265