Get Paid Faster. Chase Payments Less.
FastPay is the payment management platform built for Buy-Here-Pay-Here dealers. Structure deals, collect payments, and stay on top of every account — without the spreadsheets and sticky notes.
Running a BHPH lot is hard enough without fighting your own tools.
You got into this business to sell cars and build something — not to spend your nights updating spreadsheets, chasing down late payments, and hand-calculating amortization schedules.
Most software out there is built for franchise dealers or big lending operations. It doesn't fit the way you work. You need something simple, fast, and purpose-built for in-house financing.
What FastPay does for your lot
Structure Deals in Minutes
Walk through every deal step by step — customer, vehicle, add-on products, and payment terms. FastPay builds the amortization schedule automatically with daily compounding interest. No manual calculations. No missed line items.
Collect Payments Without Chasing
Customers pay online with a card or bank account on file. FastPay sends automatic reminders before payments are due, alerts when payments are late, and confirmations when they go through. You spend less time on the phone and more time on the lot.
Know Where Every Dollar Is
See who's current, who's behind, and who needs a call — all in one place. Every payment, every communication, every action is logged and auditable. When tax time or a compliance question comes up, you've got the receipts.
Built to help you make more and keep more
Make the Most of Every Deal
Create custom products at any point in the loan — not just at the sale. Sell a warranty after the fact, build your own GAP product, or turn a post-sale repair into an interest-bearing line item on the loan. You set the terms, the rate, and how much of each payment goes toward it. Every deal has room to grow.
You Keep Everything
No credit card fees. No convenience fees. No per-transaction fees taken off the top. When a customer pays, you keep the full amount. The money you worked for stays yours — leave the collection work to us.
Reach Customers Any Way They'll Listen
Email, text, and automated voice calls — FastPay reminds customers 3 days before payment is due, on the day of, and every day a payment stays overdue. Send a custom message when you need to get a specific buyer's attention: “Hey Bob, you might want to log into FastPay or you’ll be walking.”
From handshake to first payment in four steps
Add Your Customer
Enter customer details or pull up an existing buyer. FastPay automatically sends them an invite to their customer portal where they can view their schedule and make payments.
Assign the Vehicle
Select a vehicle from your inventory or add a new one. VIN, year, make, model, price — all captured in one place.
Add Products
Tack on warranties, GAP coverage, service contracts, or any other products you sell. Each one gets its own line item on the payment schedule.
Set the Terms
Choose the interest rate, down payment, term length, and payment frequency. Review the full amortization table before you finalize. One click and the deal is done — the customer gets notified and their first payment is scheduled.
Built for how BHPH dealers actually work
Deal Wizard
Guided deal entry that eliminates paperwork errors
Payment Schedules
Amortization with APR and daily compounding interest
Mid-Loan Products
Add warranties, GAP, or post-sale repairs to any active loan
Online Payments
Customers pay with card or ACH bank transfer via Stripe
Zero Fees to the Dealer
No credit card, convenience, or processing fees ever
Automatic Reminders
Email, SMS, and automated voice call reminders
Custom Messages
Send personalized nudges to any customer, any time
Overdue Alerts
Know immediately when someone misses a payment
Customer Portal
Buyers check their balance and pay on their own time
Dealer Dashboard
Snapshot of every account, with drill-down on each tab
Multi-Location
Manage multiple lots from one account
Staff Permissions
Control who on your team can do what
Repossession Tracking
Lock accounts and maintain a full audit trail
Audit Log
Every action recorded for compliance and peace of mind
Mobile-Ready API
Access your data from anywhere
Dealers trust FastPay to run their books
Testimonials and case studies from BHPH dealers coming soon.
Stop chasing payments. Start collecting them.
See how FastPay can simplify your lot operations. Watch the demo or start your free trial today.