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General Questions

Our maximum loan amount is $150,000. However, each borrower will be graded using credit scoring algorithms along with your ability-to-pay/affordability assessment using your MyXtraMoney® Score.

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 our Wealth Savings Account™.

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 undisireable 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.

After You Apply

Immediately…. or as fast as you can provide proof of income, bank account, and dealer sales agreement.  Most loans are funded the same day of application.  Or the next business day if after hours or a Federal holiday.

We are a direct lender. We offer a competitive rate, and programs to make your payment more palatable. However, in the event find we cannot provide a loan for you, we will then give you the opportunity to have your loan approved with one of our many partners without a new credit check.  Then you can compare interest rates and terms before making a final decision.

That clearly depends on your MyXtraMoney™ Score.  You should never place yourself in a position to experience potential financial burden by taking on too much loan.  Your MyXtraMoney™ Score can determine a good safe zone, then you can choose a vehicle that meets your needs… Of course, this is just advice, you can go outside the recommendations of your MyXtraMoney™ Score.

At The Dealership

It depends on whether you were approved by a lender other than pāyZero® Financial.  Our policy is to allow 30 days before a new application must be submitted.

Our requirements are simple:

  • Steady Income – 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.
  • Age – Minimum age is 25, Maximum age of applicant at loan maturity: 70 years.
  • Income – Minimum Net Monthly Household Income: $2,500
  • Credit Rating – Applicant should have the bank specified credit score.