Option 2: Instant Payment Freedom

After you finance your vehicle, Combine a Float25 (EBS) Electronic Bill-Pay Subsidy with Life Insurance so you get your payments reimbursed when your auto loan is paid off.

W-2 and Salaried Employees actively paying an auto loan should do this Right Now!

Float25 establishes an (EBS) Electronic Bill-Pay Subsidy you can take advantage of when you allow PayZero Incorporated to use our electronic bill pay platform to pay your monthly bills, and expenses.  The Float25 system is a financial strategy that will rearrange the way your money moves through your bank accounts so up to 25% of the cost of your monthly bills (float subsidy) can be swept towards financial planning without depleting your savings, without re-writing your budget, and while all of your monthly bills are paid on time, in full, with no NSF’s. (What is Float25, and How does it work).  The float subsidy works best when we are paying at least 80% of your total monthly household expenses on the Float25 system.

Using Life Insurance to Guarantee a “Return of Auto Loan Payments”®

Purchasing life insurance for saving can be very expensive.  The Float25 EBS is used to add money to your life insurance savings cash value via subsidy, this way its deposits do not directly affect your household budget.

For DriveFree, combining Float25 with an A+ Rated Life Insurance Company opens the opportunity for you to have a “Auto Loan Payments Reimbursed”. This way, the Float25 subsidy can sweep (up to 25% of the cost of your monthly bills) at an amount equal to, or greater than your vehicle loan payment into a life insurance policy (Private Family Bank) for growth and tax-free access.

Old Way to pay off an auto loan versus the New Way

Since your Float25 Account is sweeping an amount equal or greater than your loan payments into your life insurance policy,  you can now continue paying your auto loan knowing you are going to “Get Back Your Payments”.  This way, when you are finished paying off your auto loan, your Float25 Account will have paid an equal amount into your life insurance policy/Private Family Bank.

(See Picture showing the Old Way to pay off an auto loan versus the New Way)


Steps To Accessing Your Return of Payments:

  1. Enter your household net income and expenses into the Float25 Calculator: Calculator
  2. Our Advisors will help you start your Return of Payments plan.
  3. Once your household is on the Float25 system, then we can strategically set up your insurance plan to return your payments when your vehicle loan is paid off.

3 Guarantees When you sign up for Return of Payments:

  1. You are assigned a Financial Counselor that will place you on Float25 and recirculate between 12% – 25% of your total expenses into an interest-bearing account with zero NSF’s
  2. Our system will send your subsidized dollars to your Float25 Account to fund your life insurance policy independently from your household budget.
  3. You make your regular payments to your auto lender, Your Float25 EBS will fund your life insurance policy.

Return of Payments

Must meet the minimum account holder requirements

  • Employed salary or hourly, Military, Retired or Fixed Income
  • Age 25 or older
  • A minimum of $3,800/mo. in household expenses.
  • Active Checking Account With Direct Deposit (No Credit Unions unless it’s USAA®)

Enter your Income and Expenses into the Float25 Calculator below.

Disclosures: *PayZero Inc. has Zero access to your bank account(s). Float25™ I/we understand PayZero™ provides their advisory at an initial rate of $499 and a monthly processing rate of 10% of your float subsidy per month. Digital-Margin-System (DMS) system is based on the same banking model that Pink Financial Bank (www.webankpink.com) will introduce to the market as Debt-Free Banking in 2022. The strategy behind our DMS translates into a doable plan for your household. Under our guidance, your money is dispersed to multiple accounts in a pattern that will cover all of your monthly expenses on 75% less money.  The remaining 25% rebate is called “Digital Margin”. That means when you follow our instructions; you have ensured the safety of having all your bills paid on time as usual and all of your monthly savings like normal.  But now, you will have an extra 12% to 25% of Margin available to use without experiencing an NSF or Overdraft.   All management questions and adjustments are handled via Zoom® Meetings.  Digital Margin is established without asking you to cut expenses from your budget and without bouncing a check. As we guide you to managing your online banking and bill-pay, we direct your recirculated margin to an account we establish for you here at Payzero® Incorporated. Your account will have the ability to make your auto loan payments every month independent of your household budget or saved to pay off your vehicle in one transaction. This is how you experience having your auto loan paid without adding an expense to your household budget. Your household budget is now Free of the burden of an auto loan payment! (see explanation) The DMS system Online Banking and Bill-Pay Management Services will work with any bank. .  **The National Monthly Margin Average per household is $1,100. Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $3,800/mo. in household expenses. For the best results, you need 4 checking accounts at the same bank. 1. Main, 2. Debt, 3. Utility, 4. Discretionary. (No Credit Unions unless it’s USAA®)