Built on a lot. Not in a lab.
Brandon Cavalier was carrying the paper and chasing the payments when he built the first version of Carpay. Weekly payers, failed autopays, side notes, deferrals and aging are the default here — not the edge case.
- Money lands after hours and on weekends — five ways to pay, no trip to the lot
- Keep the DMS you already run — two-way sync, no double entry, no exports
- Paid before close of business, funded the next business day
- Collecting inside a week — we migrate the loan book for you
Talk to a BHPH specialist
Tell us about your lot and someone who knows BHPH will call you — usually the same day.
We'll only use your details to talk to you about Carpay.
Trusted by BHPH dealers nationwide
Every path ends in "paid".
Some customers want an app. Some want to text. Some call after hours. Some walk in with cash on Friday. All of it lands in one place.
Mobile app
Face ID login, balance, amount due and one-tap payments. Autopay toggles and saved methods.
Text to pay
Payer replies PAY and Carpay charges the card on file. No login, no app, done in seconds.
24/7 phone line
A self-service line where payers make a payment or check a balance — no agent, no business hours.
Web portal
A Make Payment button on your own site, or full account access at carpay.com.
Fits the way you already run.
Carpay works alongside the system you already have, and gets the money into your account faster. You don't replace anything.
Paid today. Funded tomorrow.
Take a payment before close of business and the money is in your account the next business day.
Cash flow on your lot moves at the speed of your payments, not at the speed of your processor.
We work with your DMS. Not instead of it.
Carpay is not a DMS and has no interest in becoming one. Keep Frazer, AutoManager, Wayne Reaves, DealerSocket — whatever you already run.
Carpay syncs with it both ways, in real time, so payments post where they have always posted. No double entry, no exports, no Excel.
See the trouble while it's still fixable.
Delinquency aging, autopay adoption and which reminders actually collected money — refreshed every minute, not nightly. Early enough to do something about it.
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Delinquency aging at a glance
Accounts bucketed Current through 91+ days, with trend lines you can act on rather than stare at.
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Reminders that actually get paid
See which texts and emails collected money and which channels move the needle — then change the cadence.
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Catch risk before it becomes a repo
Accounts get flagged for review when the system spots early signs of risk, so a human steps in only when one is needed.
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Multi-lot, one login
Switch between dealerships from a single account, with roll-up numbers across every lot you run.
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.
Go live this week.
Setup takes a week, not a quarter — and our team does the heavy part.
We migrate your loan book
Import your accounts, map the fields, and go live. Our team handles the migration — you review it.
It plugs into your DMS
Bidirectional, real-time sync with every major BHPH DMS. Keep the system you already run — no double entry, no exports, no Excel.
Real BHPH humans, not a ticket queue
Phone, text or email a team that has actually run BHPH lots. Most replies land in under 15 minutes during business hours.
See it work. Then see what you're paying.
Thirty minutes, screen shared. We walk the situations that actually cause trouble on a lot — three days late, autopay failed last night, weekly payer, changed arrangement, cash walk-in — on live demo data. Then send us one processing statement and we'll come back with what you're really paying to get paid.
Before you call
No. Carpay syncs bidirectionally with every major BHPH DMS in real time. Keep the system you already run — Carpay handles payments, reminders and collections alongside it.
Take a payment before close of business and it is in your account the next business day.
About a week. We import your loan book and map the fields; you review it before anything goes live. Onboarding is white glove — you are not handed a manual.
Most do. Carpay targets 80% payer adoption within the first 60 days of going live, and there are five ways to pay — app, web, text, phone and cash — so a customer who will not download an app can still pay the way they prefer.
Someone who knows BHPH calls you, usually the same day. It is a conversation about your lot, not a scripted pitch — and if a demo makes sense, they will put one on the calendar while you are on the phone.
No — Buy Here Pay Here, full stop. General platforms can be configured for BHPH; Carpay starts there. That is why weekly payers, failed autopays, side notes, deferrals, aging and recovery are the default behaviour rather than a workaround.
Stop chasing payments.
Tell us about your lot and a BHPH specialist will call you — or pick a time and we'll work your accounts live.
Or call us now — 877-388-4265