Two Things You Need to Know…

1. Get You Pre-Qualified at the Highest Suggested Monthly Payment.

Getting Pre-Qualified based on your “ability to pay” before you apply for an auto loan makes fiscal sense and saves you time and money. Pre-Qualification and loan processes are private, secure, and confidential. If you have not completed your Pre-Qualification, please go to Get Pre-Qualified – DriveFree™

2. One Loan Application  – Instant e-Approval with Lowest Interest Rates from 4 Banks!

  • After you have received your maximum suggested monthly payment, fill out our short and secure two-minute offer form.
  • We match you to our lenders – you get up to 4 offers
  • Receive the online certificate or check within 24 hours
  • Use your check to buy the car you want or use it to refinance your current loan
  • There are no fees. It’s free, fast, and easy. And there’s never an obligation to use one of our lenders or loans.

Interest Rate Chart


Today’s Rates
36 months
or less
New Auto 2.49% 2.64% 2.99% 3.14%
Used Auto 2.74% 2.89% 3.24% 3.39%
Auto Refinance 1.89% 2.09% 2.24% 2.49%
Private Party 2.49% 3.19% 3.44% 4.69%
Lease Buyout 2.49% 2.49% 2.89% 3.39%

* interest rates (APR) shown are the lowest rates participating lenders have recently offered. Your actual interest rate (APR) may be higher based on your unique, individual credit situation. These interest rates above may not yet be reflective of any Federal Reserve Bank benchmark interest rate changes. If you request a loan offer through this website, the lowest rates offered that day by participating Lenders may be higher than what is displayed above.

Today’s lowest rate: 2.49%

pāyZero® Incorporated. uses Horizon Digital Finance® to finance all of our vehicles. Horizon Digital Finance® (HDF) technology and processes are patented under U.S. Patent Nos. 7,630,933 and 7,647,274 and 8,095,458 and 8,359,264.
This site is directed at, and made available to, persons in the continental U.S. excluding Alaska and Hawaii. is owned and operated by: Horizon Digital Finance®
5005 W. Royal Lane, Suite 209 – Irving, TX 75063
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