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

Before you apply for a Personal Loan, or Line of Credit, make sure you use the MyXtraMoney® calculator to setup your Financial Reset.

At pāyZero® Financial, we use your household budget to Approve you for a Personal Loan, or Low Interest Line of credit based on results from a cash back rebate generated when you enter your household budget into the MyXtraMoney® System calculator. 

Any new monthly Cash Back found is deposited into a FDIC secured Escrow Account at PayZero® Financial that will instantly establish you a credit limit of 12X’s the cash back amount generated by your rebate.  Your New loan, or line of credit will immediately be reported to the credit bureaus as zero balance, and in good standing.

All the borrower has to do is:

  1. Go Beyond Budgeting™, and agree to handle your household budgeting using MyXtraMoney® Cash Back Banking for a minimum of 3 months.
  2. Deposit the difference between your current savings and your new savings into the FDIC Insured Escrow Account.
  3. You will be issued a line of credit, and the limit will be 12 times the cash back amount.
  4. After 90 days, you will be able to cash out with a Credit Line of between $3,100 – $10,000

Compared to other lenders, we offer greater flexibility with how much a person can borrow based on their ability to pay, not just a credit score.

Line of Credit Features:
  • Limits are $3,100 – $10,000
  • Can be financed as long as 72mos.
  • 5% interest if you are a user of the MyXtraMoney® System.
  • Instant 30 to 50+ point boost to your FICO® score. Reporting begins the moment you start using the the MyXtraMoney® System.
  • Minimum FICO® score of 480 is required
  • Must be Full-time employed with a W2, or steady verifiable income
  • Must have direct deposit
  • Must have a minimum total household income of $2500/mo.
Disclaimer: Because we lend to individuals with challenged credit ratings, we first introduce all of our potential borrowers to the MyXtraMoney® System.  The pāyZero® Credit Builder Line of  Credit is designed to help you improve your credit. Therefore, each potential borrower is required to enter their household budget into the MyXtraMoney™ calculator to determine the maximum recommended loan received.  Then we ask each applicant to contribute to the pāyZero® Escrow Account for 90 days before loan proceeds are deposited.
The quicker you start using MyXtraMoney®, the faster your loan will be funded. In return, during those first 90 days, we will immediately begin reporting a positive loan trade line to the credit bureaus on your behalf, instantly boosting your score by 30 to 50+ points.  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.

5% Credit Builder Loan™ Advantages:

  • Easy Qualifying – Our loans are for people that are full time employed with a w-2 with Direct Deposit and have credit scores between 480 – 649. Sometimes, because of credit, being accepted for a personal loan can be totally out of reach, until now.
  • The Smarter Choice – We do a financial budget analysis using answers from your MyXtraMoney® for each client for loan repayment affordability purposes.
  • Zero Interest Opportunity – Clients who use MyXtraMoney® as their new way to manage their money will experience zero interest on loan payments.
  • Regular Credit Reporting –  We immediately begin reporting your payments history to all three bureaus. And will do so every month.

We all know loans are based on credit score.  Well we built this system especially for people with a FICO® score of between 480 – 649.  We simply ask all of our clients to complete a financial budget checkup as part of our application process so we can provide you a loan based on your ability to pay.  Simply log onto the secured MyXtraMoney® page and fill  in your net income and monthly bills. From there, your loan application will be processed mostly on your ability to pay.

Should you decide to use the MyXtraMoney® System as your new way to perform your household budget, then your approved loan can be interest free.

pāyZero® Financial provides all the same usual and customary personal loan financing as any other bank or lender, with one exception. At pāyZero®, we are Financial Advisors. We purposely mixed personal finance with personal loans 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 interest and debt as soon as possible without you having to make extra payments to pāyZero®, or any lender out of your budget.

PāyZero® Financial says as long as you use MyXtraMoney® and are actively contributing your Cash Back Benefits to the pāyZero® Escrow Account, even with a FICO® score as low as 480, you can be approved for a personal loan. || 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 can 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 Now

Let’s face it, applying for a personal loan can be an intimidating task. Finding a willing lender and agreeing on a fair price is stressful enough, you shouldn’t have to worry about securing the rate you deserve too.

pāyZero® functions like an virtualloan broker – minus the stress – who guides you through the process of getting a personal 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 the loan you need now

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

Credit Builder Line of Credit

pāZero® offers personal lines of credit 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 $100’s per year (and lower their APR by 50%). Plus, MyXtraMoney® Cash Back Banking Rewards provides you enough money to cover up to 100% of your loan interest!

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

pāyZero® Debit Card

pāZero® even provides you with a debit card, so when your loan is paid off by your Escrow Account, any remaining interest belong to you… Its like getting paid to borrow money.

Getting in financial position to get a loan

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Immediate Credit Reporting

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

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% Loan

If you qualify, you will experience our zero interest loan.

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: $2,500

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 The pāyZero® Finance Low Interest Credit Builder Loan™.

Yes. You work hard for your money. We help it go farther. Our refinance customers tend to save over $100’s 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 personal 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 personal loan 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 Personal Loan online, All you need to do is provide your details below application form.


Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the lender or lending partner will ask for your name, address, date of birth, and other information that will allow them to identify you. They may also ask to see your driver’s license or other identifying documents.

Customer Notice: A personal loan is an online installment loan with loans sizes between $3,100 and $10,000. A personal loan can be a great option for those customers looking to borrow money for a wedding, home improvement, or family vacation. The online process is designed with customer convenience in mind.

Legal Disclaimer: pāyZero® Financial’s Terms of Use and the pāyZero® Financial Privacy Policy apply to the use of this website and its services. pāyZero® Financial either lends, or connects borrowers with lenders or lending partners and thus the specific terms and conditions of the specific lender or lending partner will apply to any loan a borrower takes out. We are compensated by these lenders or lending partners for connecting you with them, and the compensation received may affect which offer you are presented with. Any display of APR, loan amounts, interest or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower. Please note that some lenders or lending partners may perform an additional credit check as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms and borrowers should always compare all available options before making any decisions. In addition, you may be connected with a tribal lender. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws. However, on loans that are funded by pāyZero® Financial, if you as a client elect to use the MyXtraMoney® Beyond Budgeting System, you will not have to pay interest on your loan. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE AUTO LENDERS, AND NOT PERSONAL LOAN LENDERS IN ALL STATES, they do, however make loans and credit decisions. Any information you submit to this site may be provided to a lender or lending partner.

Availability: Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

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. All pāyZero® Escrow Accounts are held at Citizens Trust Bank, Atlanta, GA, Member FDIC.