Who It’s For

PayToStart is built for anyone who carries their own auto paper — buy-here-pay-here dealers, independent used-car lots and auto-finance companies. If a missed payment is your problem and not a bank’s, this is for you.

What “carrying the note” means for you

When you finance your own buyers, the collateral is your risk until payoff. That changes what you need from hardware: not a consumer gadget, but a hidden, tamper-resistant device plus a dashboard that shows the whole book by payment status.

One platform, three kinds of operation

The device and dashboard are the same; what differs is scale and structure. See how it fits BHPH dealers, independent used-car lots and auto-finance companies.

Frequently asked questions

Who is PayToStart for?

Dealers and lenders who carry their own auto paper — BHPH dealers, independent used-car lots and auto-finance companies.

Is there a minimum fleet size?

No. It works from a single financed vehicle up to a portfolio of thousands.