Carpay | 4,367 followers on LinkedIn. Mobile app and loan management software for Buy Here Pay Here (BHPH) dealerships. | Carpay is a mobile app and loan management software that helps BHPH dealers service their accounts. The platform includes automated text and email payment reminders, borrower account management, portfolio summary and delinquency data, and more. Today, millions of payments are taken on Carpay because it helps dealers grow their portfolio and improve collections operations.