How PayLow Rate Works

Having a vehicle loan can have drawbacks. You might love your vehicle, but not the payment. And your interest rate, well, just might not reflect what you deserve. We take a hard look at your loan to find all the ways to save you money.

It's about time you get a reward without the headache. 


90-second simple application


Receive your Lower Rate


Add any optional products


Sign Your Documents


Simple Honest Rates

How do you know if you got a good deal on your vehicle loan? You don't.

And likely, you'd never really find out the truth. You'd wonder and guess, but vehicle financing is intricate and for the most part, you're really in the dark, until now. That's what makes us different at PayLow Rate. We provide an honest look at your loan and tell you where you should be saving money and then do what we say, by actually helping you save.


Have more questions? Find a few answers here:

How much will I save?

On average our customers save $60 - $120 on their car loan each month. However, that depends on factors like debt to income ratio, credit score, and overall desired savings. We'll explain every factor and option available.

How much does PayLow Rate cost?

Our service is 100% free for you to use. Sometimes there are fees from the state for things like title documents. We never charge miscellaneous administrative or document fees.

How long does it take to use PayLow Rate?

We've designed our platform to take as little as 15 minutes. However, every loan is different. A lot depends sometimes on how fast you get us the information we need.

When will PayLow Rate be available in my state?

We're currently launched in Michigan. Stay tuned to when we are available in your state.

What happens if I can't get a lower rate?

That's the hardest part of our job. We try REALLY hard to make sure we can help you save, but sometimes it's out of our control. Our goal is to re-visit with you in three to six months to see if we can do anything at a later date.

How do you make money if the service is free?

Great question. We're a business afterall. Lenders pay us to help you save - They want your business, but don't have the time to acquire it and take the time to offer the best rate. We also sell insurance products that can protect you now and in the future.


Financial Inclusion & Diversity

We've all read headlines and have heard the warnings about unfair auto loans. The only way to change that narrative is to become a part of it. We're taking a seat at the table and making changes about effective auto financing practices and the way it affects people on the other side, like you. From our team to our Co-founders, we're the faces that represent your voice.

Thank you for trusting us to represent your voice and financial future.