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Before you apply for an Auto Loan, make sure you use the MyXtraMoney® Financial Reset Calculator to see your maximum recommended car payment.

A car loan is a great way to drive your dream car without making the complete payment upfront. Sometimes, because of credit, financing a car can be a real nightmare. Upside Down Loans – High Interest Rates – can make the car buying process a real hassle.

Through our lending partners, pāyZero® Financial provides all the same usual and customary auto financing as any other lender, with one exception. At pāyZero®, we are Financial Advisors. We purposely mixed personal finance with auto lending in order to make every loan decision a smart decision.  Not only are you going to experience an easy entry into the loan rates and terms you desire, you are also going to have the opportunity to FREE YOURSELF of loan payment debt as soon as possible without you having to make extra payments to pāyZero®, or any lender.

Disclaimer: We encourage all of our potential borrowers to experience a Financial Reset using the MyXtraMoney®, Cash Back via Electronic Bill-Pay System. DriveFree™ is designed to relieve you of auto loan payment debt; therefore, each potential borrower is required to enter their household budget into the MyXtraMoney™ calculator to determine the maximum recommended monthly payment that can be relieved. Then we ask each applicant to use the MyXtraMoney® Cash Back System for 90 days. MyXtraMoney® is based on FDIC® insured online banking (controlled by you) that introduces a “New Way To Bank” based on timing, designed to allow you to have more cash at the end of your month.

Learn More About Drive Free™ Here

So it does not matter if you finance, or refinance a new or used, vehicle, or trade in your current vehicle with PāyZero® Financial; even with a FICO® score as low as 540, you can be approved for an auto loan for as low as 1.99% || Simple As That!

Our Zero – Turn Down Guarantee:

We are Financial Advisors. If we do not approve your loan based on your credit score, we will have your personal credit repaired at Zero cost out of pocket.

  • Lightening Fast Credit Repair By Professionals
  • Managing your expectations from the start
  • Results in 30 – 45 days
  • Our team is network of top credit repair specialists
  • No Out of Pocket Expenses

Bankruptcies | Student Loans | Tax Liens | Medical Liens | Credit Card Debt | Inquiries | Child Support | Repossessions | Evictions | Etc.

Apply Today

Let’s face it, a car dealership can be an intimidating place. Finding the perfect car and agreeing on a fair price is stressful enough, you shouldn’t have to worry about securing the rate you deserve at the dealership too.

pāyZero® functions like an virtual auto loan broker – minus the stress – who guides you through the process of getting an auto loan from start to finish.

Your financial future is important to you – and you deserve to be treated fairly. Whether you’ve got a strong credit history that you’d like to reinforce or you need to get things back on track, pāyZero® can help. The best part? We have solutions for all credit profiles.

Get refinancing for the car you need now

Achieve all your car buying goals and aspirations; with the right kind of help, exactly when you need it.

New Car Loans

pāZero® offers financing at fair interest rates and adjustable repayment terms to all of our members. We provide fast action, personalized service, and absolute transparency on each loan.


pāZero® knows you work hard for your money. We help it go farther. Our refinance customers tend to save $1,000’s per year (and lower their APR by 50%). Plus, the MyXtraMoney® monthly benefits provides you enough money to cover up to 100% of your loan payment!

Loan Against Car

With no income documents required, getting a refinance loan couldn’t get any easier. pāyZero® even offers loans against a titled car at basic interest rates and flexible repayment.

pāyZero® Debit Card

pāZero® even provides you with a debit card, so when your auto loan is paid by your Cash Back benefits, any remaining dollars belong to you… Its like getting paid to buy a car.

Get financing for the vehicle you need now

Enquire Now

Features of Car Loan

All loans are not created equal, a loan with pāZero® comes with the opportunity to experience DriveFree™.

Cash At The Ready

Use the remaining dollars to do whatever you like… It’s your money.

Special Pre-Approval

Get Pre-Approved based solely on your ability to pay.  In most cases, we can pre-approve, and close your loan at a great rate with zero credit check.

100% Auto Loan

If you qualify, you will experience our zero down payment loan.

Car Loan - Eligibility

Any salaried, or hourly W-2 employee, professional Public and Private companies, Government sector employees including Public Sector, or retired person(s) is eligible for a personal loan.


Minimum age is 25, Maximum age of applicant at loan maturity: 70 years


Minimum Net Monthly Household Income: $3,300

Credit Rating

Applicant should have the bank specified credit score.

Frequently Ask Questions

If you have a question about getting started please see the information below.

Yes, and without a penalty.  As financial advisors, our goal is to help you get out of your debt as soon as possible.  That’s why it’s very important that you consider DriveFree.

Yes.  You work hard for your money. We help it go farther. Our refinance customers tend to save over $1,000 per year (and lower their APR by 50%). Plus, our lender marketplace makes it easy for us to find extremely competitive rates on fresh loans!

It’s time auto loans got an upgrade. We combine the speed, intelligence, and simplicity of our online system with savvy Loan Champions who help you navigate the lending process like a pro. Honestly, it’s the way lending should be.

As soon as your are ready.  Especially if you are in a bad loan contract.  Each month you pay, you may be losing valuable profits to your households bottom line.

Your time is precious. That’s why we’ve streamlined the auto lending process from start to finish. We put a little extra lending power in your hands. So you can close with confidence, faster.

While our offices are in Atlanta, GA, we pride ourselves as being a digital lender; meaning our applications are entirely online.

Get a Quote

Now apply for a Car Loan online, All you need to do is provide your details below application form.


Disclaimer:  Loan approval is not guaranteed and is subject to credit application and approval of the lender. 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 paZero.net’s Terms of Use, Disclaimer, Privacy Policy, and Cookie Policy. MyXtraMoney®, and the Beyond Budgeting System™ is underwritten by pāZero® Auto Finance, Inc. DBA pāyZero® Financial || © 1994-2020. All Rights Reserved.