(833) 321-ZERO (9376) I Want My Money

You Are Waaaay Richer Than You Think!

Full Financial Disclosure: At pāyZero®, we are Financial Consultants introducing a next level “Strategy for Saving”  based on Automated Wealth Distribution that will Free-Up so much money, it will replace the need for household budgeting. Watch Explainer Video
The Automated Wealth Distribution is a consumer version of Fractional Reserve Banking strategy using timed distributions of your direct deposit income into bill paying position on a pre-calculated schedule so when its time to pay a bill, a fraction of the money is already in place. This way, that bill needs less money from your next paycheck. Our system does this over and over again instantly for all of your expenses including your savings goals. The Automated Wealth Distribution plan will instantly add more cash at the end of your month. The extra money is called Consumer Fractional Reserve Profit (CFRP).  The strategy will re-purpose your cash flow so you can begin paying for things like wealth planning, paying off debt, or even financing a new car without adding a bill to your household budget.
Definition of Consumer Fractional Reserve Profit (CFRP) – A Profit generated when all monthly expenses to be paid, and all your usual monthly savings goals are satisfied at 75% – 88% of their normal cost against future arriving paychecks, instantly leaving a fractional profit of 12% – 25% on top of what you already are saving each month. (This profit can only be experienced when you use our Wealth Distribution System)  The profit of 12% – 25% is placed into your Acorns®, Robinhood®, or SigFig®  account each month for wealth building. Question Is, Do you want  your Money?
The discount is derived from our MyXtraMoney™ algorithm.  Consumer Fractional Reserve Profit is generated throughout the month. It is an investable asset that can be used as a reserve fund. There is no out of pocket for this service.  (The National CFRP Average is $1,100 – $2,000+/mo)

People use their (CFRP) Consumer Fractional Reserve Profits to pay off debt, invest, pay of life insurance, etc. What will you use yours for?

Company overview

pāyZero® Financial, was founded in 2018 by Financial Advisors. We are a Financial Services Organization that assist consumers in establishing an automated Financial Reserve via our cash flow distribution system for the purposes of Debt Elimination, & Wealth Building. A financial reserve is any amount of money that is kept purely for the purpose of having cash on hand in the event of unexpected changes.  You do not have to wait until debt is paid off to build wealth. You can do both now using our patented FDIC Insured financial strategy (MyXtraMoney™ CFP Money Merge). This service is for those who financially savvy.  We also provide lending services such as auto loans, personal loans, and lines of credit.

On A Mission

We are Financial Consultants.  We aren’t satisfied with business-as-usual lending practices because we’ve been on the inside and seen countless ways to make lending better, and less troubling for the consumer.  That’s why PĀYZERO® is leading the way to more transparent, fair, easy and friendly loans for all (it also feels great to help people Eliminate Debt).

What We Value

Values are more than pretty words, ours set a standard we strive to reach. We’ve learned that the “soft stuff” is also the wildly important stuff. These 4 values are our compass: Impact, Optimism, Honesty & Growth. We’re still building the company we want to be, but these values help us create a collaborative team mindset and better place to work. They also improve how we connect with customers (and each other), and drive the development of a product we’re proud of.

Who we are

As members of the worldwide InCrowd Investments, LLC, we are committed to the continuous improvement of our banking, lending, and Financial services and strive to achieve this through knowledge transfer within the Group, dedicated technical research units, sharing globally new product developments and a wide range of risk management services.

We Are Financial Advisors

Whenever you make a major purchase such as an automobile, it helps to have the financial expertise of a financial advisor helping you to get out of debt as fast as you got in.

Our Commitment

You could say that we’re a bunch of financial technologists, lending experts and customer service fanatics (you’d be right) but we’re more than that – PĀYZERO® is a team. We come from all kinds of backgrounds and experiences to create something new: Mixing Debt Elimination with Lending.


We began with the idea that the working man/woman not only needed easy access to transportation, they need it at an affordable rate, along with a plan to be out of debt as fast as possible.

2019 & Beyond…

pāZero® Financial, Inc., wants to make the auto loan industry more secure, and make the payment process easier for the buyer by vanishing 100,000 payments by December 2020.

Find Out More

Our Partnerships

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Debt Elimination Disclaimer: *Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of our debt elimination services will not likely adversely affect your creditworthiness, but in some cases based on the timing of hiring our services, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, any negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.
Disclaimer: Loan approval is not guaranteed and is subject to credit application and approval of the lender. The pāyZero®’s LookSee™ process allows you to pre-qualify for offers and discuss your financing options with no impact to your credit score. Individual loan terms may vary.  pāZero® Auto Finance, Inc. DBA pāyZero® Financial is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act (ECOA), pāyZero® Financial is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has—in good faith—exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). We recommend you make and retain a copy of our Privacy Policy. If you prefer to print another copy, visit our Website at www.pazero.net or you may request a copy by calling (833) 321-ZERO (9376)Use of this website constitutes acceptance of payZero.net’s Terms of Use, Disclaimer, Privacy Policy, and Cookie Policy. The MyXtraMoney® eBill-Pay Money Merge System is a Debt Elimination tool and is underwritten by pāZero® Auto Finance, Inc. DBA pāyZero® Financial © 1994-2020. All Rights Reserved.