Fast Pay replaces the patchwork of spreadsheets, paper files, and generic accounting software with one platform built for in-house auto financing — free for dealers.
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. You need something simple, fast, and purpose-built for in-house financing.
Walk through every deal step by step — customer, vehicle, add-on products, and payment terms. Fast Pay builds the amortization schedule automatically with daily compounding interest. No manual calculations. No missed line items.
Customers pay online with a card or bank account on file. Fast Pay 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.
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.
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.
Fast Pay is free for dealers — no monthly fee, no setup fee, no processing fees. Your customer covers a $6.95 fee per online payment (plus 3% on card payments), so your payout isn't reduced. The money you worked for stays yours — leave the collection work to us.
Email, text, and AI-assisted phone calls — Fast Pay 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 Fast Pay or you’ll be walking.”
Every deal follows the same guided path, so nothing gets missed and the customer is set up to pay from day one.
Enter customer details or pull up an existing buyer. Fast Pay automatically sends them an invite to their customer portal where they can view their schedule and make payments.
Select a vehicle from your inventory or add a new one. VIN, year, make, model, price — all captured in one place.
Tack on warranties, GAP coverage, service contracts, or any other products you sell. Each one gets its own line item on the payment schedule.
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.
Guided deal entry that eliminates paperwork errors
Amortization with APR and daily compounding interest
Add warranties, GAP, or post-sale repairs to any active loan
Customers pay with card or ACH bank transfer via Stripe
No monthly, setup, or processing fees to the dealer — ever
Email, SMS, and AI-assisted phone call reminders
Send personalized nudges to any customer, any time
Know immediately when someone misses a payment
Buyers check their balance and pay on their own time
Snapshot of every account, with drill-down on each tab
Manage multiple lots from one account
Control who on your team can do what
Lock accounts and maintain a full audit trail
Every action recorded for compliance and peace of mind
Access your data from anywhere
A risk indicator for each customer's likelihood of default
Your deals follow a consistent process — customer, vehicle, products, terms. Fast Pay's deal wizard walks your team through each step so nothing gets missed and every deal is set up correctly from day one.
Fast Pay calculates payment schedules with APR and daily compounding interest — the way BHPH deals actually work. Every payment is broken down into principal and interest, and line items for the vehicle and any add-on products are tracked separately.
Customers save a card or bank account on file and payments process through Stripe. Fast Pay supports credit cards, debit cards, and ACH bank transfers — plus handles current payments, overdue balances, extra payments, and partial payments. All tracked with a complete history.
As a dealer or finance company, everyone wants a piece of your pie. Not Fast Pay. You'll never pay a credit card fee, a convenience fee, or any other kind of transaction fee. Your customer covers a small per-payment fee instead, so every dollar of the payment amount lands with you. We handle the collection — you keep the profit.
Typical processor
With Fast Pay
Illustrative example · typical processor rate shown at 2.9%
A deal doesn't have to stop making money the day the customer drives off. With Fast Pay, you can create custom products at any point during the life of the loan — not just at the point of sale. Sell a warranty after the fact. Build your own GAP product. Turn a post-sale repair you'd normally eat into an interest-bearing line item on the account. Every product is fully customizable. You dream up the product, set the terms, pick the interest rate, and choose what percentage of each monthly payment goes toward it. Fast Pay can automatically extend the loan or bump the monthly payment — whichever fits the situation.
Fast Pay keeps customers reminded automatically — 3 days before every payment is due, on the due date itself, and every day a payment stays overdue. Reminders go out by email, text, and AI-assisted phone call so the message lands no matter how the customer prefers to be reached. Confirmations fire when payments succeed, and both you and the customer are alerted the moment a payment fails. Need to nudge a specific buyer? Send a custom message any time.
Fast Pay's default predictor estimates each customer's likelihood of default from payment behavior and patterns across Fast Pay accounts — a risk indicator, not a replacement for your judgment. See which accounts need attention early, while there's still time to work with the customer.
Customer 027
Medium riskWorth a check-in call this weekIllustrative example · not real customer data
Your dashboard shows a snapshot of every account on your lot — who's current, who's overdue, who's close to payoff. Each tab drills in deeper. See payments due, payment progress, the last time a customer logged in, and the full history of every message that's been sent. You never have to dig for an answer.
Every customer gets their own secure login where they can view their payment schedule, check their balance, see their payment history, and make payments. Fewer phone calls for you. More transparency for them.
Whether you've got one location or several, Fast Pay keeps everything organized under one account. Set up admin and staff roles so your team has access to exactly what they need — no more, no less.
Nobody likes repos, but when they happen, Fast Pay handles it cleanly. Lock the customer's account, freeze the payment schedule, and maintain a complete audit trail. Everything is documented if questions come up later.
BHPH dealers face real compliance requirements. Fast Pay automatically logs every payment, every login, every email, every status change — and keeps financial records for 2 years. When an auditor or attorney asks a question, you've got the answer.
Fast Pay is free for dealers. Request a demo and we'll walk you through every feature.
