#1 Rated Mobile App for Your BHPH Customers.

★★★★★ 4.8/5 from 7,038 customers

Ruby Toro
Operations Manager
LB Auto Trading

VeneAuto
Owner
VeneAuto

Byron Oldham
Owner
Honest Autos

Nick
Owner
FacilDeal Auto Center

Angela
Co-Owner
Jota Super Autos

Total payments processed on Carpay: $1,170,989,308.26

For dealers

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

Implementation

Go live this week. White glove onboarding.

01 Onboarding

Setup in a week, not a quarter.

Import your loan book, map fields, and go live — our team handles the migration.

• Loan book imported: 12,847 records
• Migration complete
• Live in 1 week

02 Integrations

Plugs into your DMS.

Bidirectional sync with every major BHPH DMS — no double entry, no manual exports, no Excel.

Your DMS
Carpay
Bidirectional · real-time
Last sync · 2s ago

03 Support

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.

Payment channels

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.
Current balance: $627.00
Due Dec 5 · 2003 Acura TL
Pay
Autopay On · 5th monthly

SMS

Payer texts PAY — Carpay instantly charges their card on file. No login, no app, done in seconds.
Hi Marcus, your $450 payment is due 12/05. Reply PAY to charge card ending 1234.

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.

IVR 24/7
"Press 1 to make a payment. Press 2 for your balance…"
No-agent payment ~ 45 sec

Website

A "Make Payment" button on your website, or customers can go to carpay.com to have full access to their accounts.
pay.carpay.com/ marcus-r
$450.00
Due Dec 5 · 2016 Honda Accord
Pay now

The dealer portal

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.

Automation

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.

By the numbers

Why dealers love Carpay. The data speaks for itself.

• -14.2 ★
  App Store rating across 5,000+ payer reviews
• -236 %
  Targeted platform adoption within the first 60 days of going live
• -59 %
  Reduction in delinquency across entire platform for Carpay vs. non-Carpay payers
• _$_0
  Additional out-of-pocket costs to start using Carpay today

Reviews

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."

A
ApelDevone
App Store · 03/12/2024

★★★★★

"Very easy app to use. Also very convenient!"

S
Sandra Pregent
Google Play · January 9, 2026

★★★★★

"I love this app its so easy to just click and pay without you going to the dealership in person"

k
kia brown
Google Play · September 11, 2025

Let's talk

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.