Uncapped credit.
Unlimited opportunity.

Receivables credit facility and loan management software.

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Carpay was created by two BHPH dealers looking for a better way to run their business and power their dreams. Because they know firsthand the challenges that BHPHs face, they created an uncapped lending program that makes it easier to access capital and get on the fast track to growth.

steering wheel


Your dealership, in the driver’s seat.

At Carpay, we give you extra horsepower to run your business. In addition to offering uncapped credit*, we give you complete control to service your loans, your way. No backseat driving from your lender. Just the support and capital you need to go further.

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Loan Management Software

Taking care of loans so you can take care of business.

Spend less time managing your portfolio and more time growing it. Lower delinquencies and reduce workload and grow your portfolio with the only loan management software made for BHPH.

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Hundreds of dealerships.
More than $1 billion in car loans.

“Carpay is the most efficient solution of the year for my dealership. It saves my team time and eliminates a lot of mistakes while providing my customers easier access to their loan accounts.”

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“Carpay has been a great tool for processing payments and keeping the customers in the loop about their accounts. The customer service is great!”

Honest Autos


“The convenience of Carpay extends to both our customers and employees. Collections are so much more efficient and reliable with Carpay. Our organization is magnitudes better with Carpay than when we didn’t have it.”

Five Star/Middle Georgia Finance


*Subject to underwriting terms & conditions