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. 

 
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90-second simple application

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Receive your Lower Rate

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Add any optional products

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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.

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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. 

 

 
 
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Privacy and Security

Legal

Privacy and Security

Terms of Use

Fair Lending

Privacy and Security

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean.

A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. The Big Oxmox advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen. She packed her seven versalia, put her initial into the belt and made herself on the way.

When she reached the first hills of the Italic Mountains, she had a last view back on the skyline of her hometown Bookmarksgrove, the headline of Alphabet Village and the subline of her own road, the Line Lane.

Terms of Use

Effective Date: December 1st, 2017


YOUR PRIVACY IS IMPORTANT TO US. TO BETTER PROTECT YOUR PRIVACY, PAYLOWRATE.COM PROVIDES THESE WEBSITE TERMS OF USE EXPLAINING OUR ONLINE INFORMATION PRACTICES AND THE CHOICES YOU CAN MAKE ABOUT THE WAY YOUR INFORMATION IS COLLECTED AND USED. THIS WEBSITE TERMS OF USE APPLIES TO ALL THE INFORMATION COLLECTED OR SUBMITTED ON THE PAYLOWRATE.COM WEBSITE (THE “WEBSITE”), INCLUDING ON MOBILE DEVICES. BY USING THE WEBSITE, YOU CONSENT TO THESE TERMS OF USE, INCLUDING OUR USE AND DISCLOSURE OF INFORMATION ABOUT YOU.

Information We Collect – Non-Personal and Personal

Non-Personal Information

Information about your computer hardware and software may be automatically collected by PayLowRate.com. We collect the IP address, browser type, domain names, access time and referring websites of the device you use to connect to the Internet. This information is used for the operation of the service, to maintain quality service and to provide general statistics regarding the use of PayLowRate.com website to assist in providing a positive online experience.  See the “Cookies” section below.

Personal Information

PayLowRate.com may also gather personal information that you provide us. We collect information you provide through an online application at the Website when you submit the completed application. The information in your online application includes but is not limited to your name, address, date of birth, social security number, email address, phone number, employer, occupation and income. We use this information to, among other things, respond to your inquires for financial products and services.

The personal information you provide online is held by the PayLowRate.com. You can access and/or change information in connection with your application by telephoning us at (844) 472-9569. To protect your privacy, proof of identity or other authentication is required. Additionally, please view our Privacy Policy which sets forth what consumer information we collect, how it is used, with whom it may be shared and how you can limit sharing.



Sharing Information

We only share your identifiable personal information we collect from the Website with service providers who assist us in providing services and products to you, except if we otherwise have your consent to share. Any other information shared with third parties is on a de-identified basis.



Cookies

Cookies are small amounts of information which your computer or mobile device downloads when you visit the Website. When you return to the Website, or other websites that use the same cookies, the cookies and your web browser are recognized. Cookies are helpful to you in that your preferences are remembered, you can navigate through the Website more efficiently and your experience on the Website can be more personalized. Cookies are helpful to us in that we can detect and solve Website problems and better understand how the Website is used in order to create a more functional and secure consumer experience. You can manage cookies by changing the tracking settings on each of the devices and browsers from which you access the Website.

Security

We use state-of-the-art technology to keep information you provide us secure.  Information that is transferred to and from the Website uses hypertext transfer protocol (https) which provides encryption and security of the transmitted information. Consumer’s social security numbers are encrypted while being stored. We obtain contractual agreements with our service providers to ensure that they have safeguards in place to protect our customer’s private information. Our employees are trained to adhere to privacy and information security policies.

Permitted Use

Unless otherwise specified, PayLowRate.com is the owner or licensee of all intellectual property rights to the PayLowRate.com website and its contents, including copyright and registered and unregistered trademark rights. You are permitted to use the Website for personal, non-commercial use in connection with products and services you are proposing to, or in fact, receive from us. In connection with any materials you may download or print for the permitted use stated above (“Content”), you are prohibited from modifying any Content or reproducing Content in a manner to cause confusion with PayLowRate.com or that otherwise will cause harm or be detrimental to our business activities.  You may not misuse the Website or its contents, including for any unlawful purpose.  You may not reverse engineer any of the code or processes provided on the Website.

Access

While PayLowRate.com tries to ensure that the Website is always available when we anticipate consumers will need access, at times the Website may be temporarily inaccessible, without notice, for regularly scheduled maintenance, or otherwise. If you cannot access the Website and need assistance, please contact us at (844) 472-9569. Additionally, we reserve the right to deny any person access to the Website if we believe they are violating these terms of use or engaging in any unlawful or malicious activity, including but not limited to hacking, phishing, and disseminating viruses.

Links

From time to time, we may provide links to other websites. If you follow these links you will need to review the privacy, security and terms of use policies of those third party websites.

Social Media

You may be able to connect through your profiles on certain social media sites. If you do so you will need to review the privacy, security and terms of use policies of those social media sites.

Children’s Privacy

The Website is intended for adults.  We do not knowingly collect personal information from children under the age of 13. If we obtain knowledge that we have personally identifiable information about a child under 13 in retrievable form in our files, we will delete that information from our existing files.

Updates

If we update the Website Terms of Use, we will revise and post the new effective date above.  Any updates become effective as of that date and your use of the Website following such date means you accept the updated Terms of Use.

Fair Lending

PayLow Rate LLC. is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act (ECOA), PayLow Rate LLC 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 or request a copy by calling 844.472.9569.

Privacy