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

Before you apply for any of our pāyZero® Credit Cards, make sure you use the MyXtraMoney® calculator to setup you Financial Reset.

At pāyZero®, we are Financial Advisors. pāyZero® Financial provides all the same usual and customary credit card offers as any other lender, with one exception. We purposely mixed personal finance with the credit card application process in order to make every loan decision a Smart decision.  Not only are you going to experience an easy entry into card rates and terms you desire, you are also going to have the opportunity to FREE YOURSELF of credit card payment burden as soon as possible without you having to make extra payments out of pocket.

Disclaimer: We  introduce all of our potential borrowers to the MyXtraMoney® Financial Reset.  The pāyZero® Credit Card program is designed to service monthly credit card payments with dividend profits, making the debt burden debt free. Therefore, each potential borrower is required to enter their household budget into the MyXtraMoney™ calculator to determine the maximum recommended credit card limit.  Then we ask each applicant to use the financial reset provided by our MyXtraMoney® eBill-Pay Financial Reset  System for 90 days. In return, during those first 90 days, we will immediately begin reporting a positive credit card trade line to the credit bureaus on your behalf, instantly boosting your score by 30 to 50+ points.  The MyXtraMoney® Financial Reset System 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.

Credit Card Advantages:

  • Purchasing Power – Credit cards enable users to make big ticket purchases they might not otherwise be able to afford.
  • Convenience – Credit cards reduce the need to carry cash.
  • RewardsMany cards offer rewards programs that will accrue points, discounts, or other benefits like frequent flyer miles.
  • For Anyone –  Sometimes, because of credit, commanding an awesome credit card can be totally out of reach, until now.

Learn More About The Debt Free Credit Card Here

So it does not matter if you want a new credit card, or you simply want to transfer your current credit card debt to your new PāyZero® card, with PāyZero® Financial; even with a FICO® score as low as 650, you can be approved for credit card for as low as 15.74% || Simple As That!

Our Zero – Turn Down Guarantee:

We are Financial Advisors. If we do not approve your credit card 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, credit card applications can be intimidating. Finding the perfect card and agreeing on a fair rate and benefits is stressful enough, you shouldn’t have to worry about securing the rate you deserve too.

pāyZero® functions like an virtual card broker – minus the stress – who guides you through the process of getting a credit card 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 the credit card that fits your lifestyle best now

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

New Credit Cards

pāZero® offers cards 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.

Balance Transfer

pāZero®  knows you work hard for your money. We help it go farther. Our balance transfer cardholders tend to save $1,000’s per year (and lower their APR by 50%). Plus, The Debt Free Credit Card monthly benefits provides you enough money to cover up to 100% of your card payment!

Balance Transfer

With no income documents required, transferring your card balance couldn’t get any easier. pāyZero® even transfers 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 Debt Free Credit Card™ benefits, any remaining dollars belong to you… Its like getting paid to carry our credit card.

Get the credit card you want now

Enquire Now

Features of Credit Card

All cards are not created equal, a card through pāZero® comes with the opportunity to experience Debt Free Credit Card™.

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% Debt Free Credit Card

If you qualify, you will experience zero payment credit card. (When combined with your Escrow Account Balance Feature).

Credit Card - 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 the pāyZero® Credit Card.

Yes.  You work hard for your money. We help it go farther. Our balance transfer 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 card 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 credit card 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 Financial Reset System™ is underwritten by pāZero® Auto Finance, Inc. DBA pāyZero® Financial || © 1994-2020. All Rights Reserved.