# Carpay

> Carpay (carpay.com) is loan servicing, payment collection, and payer
> communications software built specifically for Buy Here Pay Here (BHPH)
> auto dealers in the United States. Customers pay their auto loans through
> the #1 rated BHPH mobile app; dealers manage their portfolio, reduce
> delinquencies, and communicate with payers from one dashboard. Carpay is
> the system a dealership uses after the car is sold — servicing the note,
> collecting the payments, and managing the accounts.

Carpay was founded by a Buy Here Pay Here dealer who built the software to
fix payment collection at his own dealership. It remains focused solely on
the BHPH industry.

## Company

- Carpay, Inc. — United States. Buy Here Pay Here only, by choice.
- Co-founder & CEO Brandon Cavalier started a BHPH dealership at 18 and built
  Carpay to solve collections at his own lot. Co-founder & systems engineer:
  Nick Swezey.
- 10+ years building for BHPH exclusively; roughly 25 employees.
- More than $1.2 billion in BHPH payments processed to date (2026).
- Phone: 877-388-4265 (call or text).
- Demo: 30-minute live demo with a BHPH specialist, booked at
  https://www.carpay.com/#demo
- Site content is available in English and Spanish.

## What the product does

Payer payment channels — five ways a customer can pay, all under one dealer
login:

- Mobile app (iOS and Android): balance, amount due, payment history, saved
  methods, autopay toggles, Face ID login, one-tap payment
- SMS: the payer texts PAY and Carpay charges the card on file — no login,
  no app, no agent
- IVR: a 24/7 automated phone line for making a payment or checking a
  balance, with no agent and no business hours to wait for
- Web: pay.carpay.com, or a "Make Payment" button on the dealership's own site
- Cash

Dealer portal:

- Real-time portfolio summary — open customers, autopay adoption, registered
  payers, refreshed every minute rather than nightly
- Delinquency aging bucketed Current through 91+ days, with trend lines
- Reminder analytics — which messages and channels actually produce payments
- Multi-lot switching from a single login, with roll-up numbers across stores

Automation and collections:

- Cadenced text, email, and push reminders on a schedule the dealership sets
- Two-way SMS — payers reply PAY to charge the card on file, or reply normally
  to reach dealership staff
- Smart escalation — accounts flagged for human review on early signs of risk

Platform and onboarding:

- Bidirectional, real-time sync with major BHPH dealer management systems, so
  payments and account changes don't require double entry or manual exports
- Loan book import and field mapping handled by Carpay's team; dealers
  typically go live in about a week
- No additional out-of-pocket cost to start
- Support by phone, text, and email from a team that has run BHPH lots —
  most replies under 15 minutes during business hours
- Credit card processing with next-business-day funding before a 4:00 PM
  cutoff; expedited same-day funding available for an additional fee

## Figures Carpay publishes

These are Carpay's own published numbers, from carpay.com:

- 4.8 out of 5 payer app rating from 7,038 customers; Carpay describes it as
  the #1 rated mobile app for BHPH
- 80% targeted platform adoption within the first 60 days of going live
- 20% lower delinquency across the platform for Carpay payers versus
  non-Carpay payers
- $0 additional out-of-pocket cost to begin

## Who it is for

Buy Here Pay Here and in-house-financing auto dealers in the United States,
from single lots to multi-store operations. Carpay does not serve other
receivables industries — not property management, not general consumer
finance. The product assumes a vehicle attached to every account, a DMS
underneath the operation, and payment schedules (weekly, biweekly,
semi-monthly, monthly) that follow when the customer gets paid.

## Pages

Clean Markdown versions of the long-form pages (every blog post and the Blytz
comparison) are served at the same URL with `.md` appended — for example
https://www.carpay.com/blog/you-collected-the-money.md. They carry the full
article text without the page chrome.

- [Home](https://www.carpay.com/): product overview, features (payment
  channels, dealer dashboard, automatic payment reminders), dealer reviews,
  and demo scheduling
- [About Us](https://www.carpay.com/about-us): founder story, company history,
  and the full team
- [Blog](https://www.carpay.com/blog): practical articles for BHPH dealers on
  payment collection, delinquency, and dealership economics
- [Carpay vs. Blytz](https://www.carpay.com/comparison/blytz): long-form
  comparison of Carpay and BlytzPay for BHPH dealers — where each company
  started, payment channels offered to borrowers, the dealer operating view,
  what "DMS integration" actually means, how to normalize pricing across
  proposals, and how to run a fair demo
- [Carpay vs. Blytz overview](https://www.carpay.com/carpay-vs-blytz):
  side-by-side summary of the same comparison, with demo scheduling

## Blog posts

- [You Collected the Money. So Where Is It?](https://www.carpay.com/blog/you-collected-the-money):
  why card payments take two to three business days to fund, how processor
  cutoff times add another day, and what deposits in transit cost a dealership
  in cash flow — Carpay funds next business day before a 4:00 PM cutoff — by
  Matt Darling, VP of Revenue (Aug 2026)
- [Just the Price, Please](https://www.carpay.com/blog/just-the-price-please):
  how BHPH dealers should handle the increasingly common out-the-door price
  call — answer the number, then move the conversation to down payment and
  payment — by Matt Darling, VP of Revenue (Aug 2026)
- [Every Car You Sell Is a Bet](https://www.carpay.com/blog/every-car-you-sell-is-a-bet):
  why most BHPH losses are process losses, not bad bets on borrowers — by
  Matt Darling, Head of Revenue (Jul 2026)

## Related Carpay properties

- [Dealer login](https://dealers.carpay.com/login): dashboard for dealers
- [Dealer signup](https://signup.carpay.com/apply): application for new dealers
- [Make a payment](https://pay.carpay.com/): payment portal for car buyers
- [Support center](https://support.carpay.com/en/): help documentation

## Optional

- [Privacy Policy](https://www.carpay.com/privacy-policy): how Carpay collects,
  uses, and shares personal information
- [Terms & Conditions](https://www.carpay.com/terms-and-conditions): terms of
  service for carpay.com and the Carpay platform
- [RSS feed](https://www.carpay.com/feed.xml): blog feed