The difference between "try" and "triumph" is just a little "umph.

Bonnie Przybylski


Our Story

We’re passionate about telling the truth, that’s what led us to build this company and as a team we’re guided by the principle, “when you know better, you do better.” That’s exactly what PayLow Rate means to us - Financial inclusion, community economic development, decreasing fraud in auto lending, giving people like yourself REAL control over your financial future.


Bring people

Goodness shouldn’t cost an arm and a leg, so PayLow Rate will always be free to you, the auto loan borrower, and we promise to always deliver the lowest rate we can, because that’s what you deserve and we’ve made it our business.

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Press & Media


Having an auto loan can have some drawbacks - You may love your car, but not necessarily the payment. And your interest rate, well, just might not really reflect what you deserve. What if we told you that we can help you rewind the clock? .

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Credit Tips We Live By

It would be great if everyone had perfect credit, but that's simply not the world we live in (If you have perfect credit, way to go! You can still save with us, hit the apply button down below). We make mistakes - like co-signing for an irresponsible ex, getting a credit card before understanding credit or biting off more than you can chew. It happens and living with the consequences is also a reality. That's why we believe in second chances. What you did in the past shouldn't force you to keep pulling the short stick with interest rates.


Pay your bills on time, every time


Only utilize credit on what you can reasonably afford to pay back


If you can save, then do it. We're here to help you get started.


Maybe the 'hokey pokey' really is what it's all about.

or maybe it's about getting the lowest rate on your auto loan