Setterly

    Automotive / Buy here pay here

    AI appointment setter for buy here pay here dealers

    Setterly is an AI appointment setter for buy here pay here dealers. It texts applicants who never came in, approved buyers who didn't visit and aged leads, answers general questions and books visits into your calendar. You pay per booked appointment, with no setup fee and no retainer.

    Book a 30-minute call Call +1 363-203-5214

    Updated October 22, 2026

    At a glance

    • What it does: texts your applications that never came in, approved buyers who didn't visit and aged leads, answers questions and books dealership visits into your calendar.

    • Lead sources we see in buy here pay here: Online credit applications, Facebook and paid social, Your website, Referrals, Past customers.

    • Price: pay per booked appointment. No setup fee, no retainer.

    • Proof: CarFinance247: 114 appointments from 3,895 leads (UK campaign).

    • Compliance: TCPA quiet hours, state rules, opt-outs and 10DLC. See texting compliance.

    Why do buy here pay here leads go cold?

    Applications that never turn into visits. Customers apply online, then go quiet because they're unsure what's next or what they need to bring.

    Down payments take time. Many customers are ready once they have the down payment. Without follow-up, they buy wherever they were contacted last.

    Sensitive conversations need care. Credit and finance topics need to be handled carefully and compliantly, which makes ad hoc texting risky.

    How should BHPH dealers follow up applicants?

    Simply and respectfully. The goal is a visit, not a finance conversation by text. Good messages say who you are, what the next step is and what to bring, and never mention credit details:

    Hi [First name], it's [Dealership]. Thanks for your interest earlier this month. Would you like to come by and look at cars this week? Reply STOP to opt out.

    Setterly's AI books the visit and passes anything about credit, payments or approvals to your finance team.

    Which BHPH leads book best?

    • Applications that didn't visit in the last 30 to 120 days.
    • Customers waiting on a down payment: tax season is a natural time to reconnect.
    • Aged website and social leads.
    • Past customers nearing payoff who may want their next car.

    What about compliance for BHPH texting?

    BHPH sits close to consumer finance, so treat it carefully. Keep texts about the visit, avoid credit details, honor opt-outs immediately and send only inside TCPA and state quiet hours. Involve your compliance lead and counsel before any campaign. Our texting compliance guide covers the general rules; it is not legal advice.

    Automotive results (UK campaigns)

    These are live Setterly campaigns for UK businesses, shown as reported (UK figures, in pounds). Every business that sells to homeowners or car buyers works the same way: leads go cold, the AI re-opens the conversation by two-way text and books the appointment.

    CarFinance247

    A UK car finance broker

    December 2025 to January 2026, over Christmas

    Appointments booked
    114
    Leads worked
    3,895
    Reply rate
    33%
    Pipeline
    £171,000
    Read the case study

    A five-site UK used car dealer

    Appointments booked
    61
    Leads worked
    827
    Reply rate
    65%
    Pipeline
    £109,800

    A UK franchised dealer group with 20+ sites

    Appointments booked
    91
    Leads worked
    725
    Reply rate
    65%
    Pipeline
    £136,500

    A UK short-term car leasing company

    Appointments booked
    106
    Leads worked
    1,133
    Reply rate
    47%
    Pipeline
    £127,200

    Flexed

    A UK car leasing broker

    Callbacks booked
    109
    Leads worked
    1,135

    Eden Leasing

    A UK car leasing broker

    Callbacks booked
    93
    Leads worked
    725

    Pipeline = appointments booked x the client's average order value.

    All results

    How does Setterly book dealership visits for buy here pay here businesses?

    1. You send your old leads. A CSV or CRM export of applications that never came in, approved buyers who didn't visit and aged leads, with what each customer asked about. We check source and consent with you first.
    2. The AI texts each customer. The first message mentions their original request. When they reply, it answers questions, handles "not right now" and offers times.
    3. Dealership visits land in your calendar. With notes from the conversation, so your team knows what was said.

    Messages come from a registered number in your business name, respect TCPA quiet hours and state rules, and every conversation is visible to you. See texting compliance.

    Real conversations from UK campaigns

    Anonymized text threads from live Setterly campaigns, from the first message to a booked appointment or callback.

    09:415G
    S
    Setterly AI
    SMS Conversation
    Hi, it’s Alex. Is this the same person who applied for finance for a Toyota Corolla earlier this month?
    Next day
    Hi, are you still looking for car finance at the moment, or all sorted now?
    Next day
    We help people compare options from multiple lenders to find something that could work for their budget, would you still like to chat about this?
    Yes.
    You were approved but we couldn’t reach you by phone. Are you still looking for finance for a new car, or already sorted?
    Still searching.
    Are you still looking for a Toyota Corolla, or after something different?
    Yes, Toyota Corolla.
    When would you like to be driving your new car?
    Soon as I get a good one.
    Roughly how much per month would you feel comfortable spending on the finance?
    £200.
    Sounds like we can help you finance your Toyota Corolla. Are you free for a quick chat tomorrow at 10:30am, or would 4pm work better? It’ll just be with your account manager to run through your options.
    Yes I am.
    Perfect, I’ve asked your account manager to give you a call. Look out for a call from the team.
    Appointment booked
    Car finance

    Three follow-ups, qualified the monthly budget, booked with an account manager.

    How much does Setterly cost?

    You pay per booked appointment. There is no setup fee and no retainer. CRM integration is optional and carries a one-off fee, agreed with you before any work starts.

    See how pay per appointment works and how we handle texting compliance, or book a 30-minute call. US line: +1 363-203-5214.

    Related pages and guides

    Frequently asked questions

    Does the AI discuss credit or approvals?

    No. It books visits and passes finance questions to your team.

    Can you contact customers waiting on a down payment?

    Yes, where consent allows. Tax season is a common time to reconnect.

    Is BHPH texting compliant?

    It can be when consent, timing, content and opt-outs are handled properly. Check your program with counsel.

    Can it contact past customers near payoff?

    Yes, past customers you choose.

    How do you charge?

    You pay per booked appointment, with no setup fee and no retainer.

    Is texting old buy here pay here leads compliant?

    It can be when consent, quiet hours, state rules, opt-outs and A2P 10DLC registration are handled properly. Our compliance page explains the rules; it is general information, not legal advice.

    Find out how much revenue is sitting in your CRM.

    Book a 30-minute call and we'll show you how much revenue you can recover from the leads already sitting in your CRM.

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