Join Instant Payment Freedom™

Join Instant Payment Freedom™: Our Members use a Cost of Living Refund, to own and drive the vehicle of their choice for $99/mo.


Instant Payment Freedom™ is powered by C.O.L.R. (the Cost-of-Living Refund), an FDIC®-compliant “Cash Flow Strategy“ for households using online banking to pay monthly bills. PayZero Inc. Tax Preparation and Financial Services use the C.O.L.R. to get clients a Cost of Living Refund Every Month You Pay Your Bills.

The use of C.O.L.R. will allow members to use a monthly refund to make loan payments to their lender instead of spending from their budget.

Steps to being able to own & drive the car of your choice for $99/month. 

  1. Financial Analysis:  We use the C.O.L.R. Calculator to determine your monthly refund
  2. Onboarding:  You pay $1,499 so our Advisors set up your monthly Cost of Living Refund
  3. Loan Payments:  PayZero, Inc. makes the payments to your lender. You make No More payments to your lender from your household budget.
  4. $99/month Fee:  PayZero Inc. has a $99/month fee for user access and changes to your financial calculations.

Benefits of Instant Payment Freedom™

  • Vehicle Paid Off: Your vehicle loan safely paid off on time
  • Discounted Vehicles: When you are ready to purchase another vehicle, we have a huge selection of discounted vehicles on our site to choose from.

3 Guarantees When you sign up for Instant Payment Freedom™:

  1. You are assigned a Financial Counselor that will place you on C.O.L.R. and recirculate between 12% – 25% of your total expenses into an interest-bearing account with zero NSFs
  2. Each month, our system will automatically send your subsidized dollars to your lender independently from your household budget.
  3. You keep your money.

In Georgia?

Call 404-729-7416,

Ask for Karriem Ali

Disclosures: I/we understand PayZero™ Inc. Taxes Preparation and Financial Services provides their advisory on setting up your C.O.L.R. (Cost of Living Refund) at an initial rate of $1,499 and a monthly Trust Attorney and interface fee of $99 per month. The strategy behind the C.O.L.R. translates into a doable plan for your household. Under our guidance, your money is distributed through 4 checking accounts in a pattern that will allow all of your monthly expenses to be paid in full on 25% less money per paycheck.  The 25% refund is called “Consumer Float”. 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 Digital Margin Float available as a Fundraiser to use without experiencing an NSF or Overdraft.   All management questions and adjustments are handled via Zoom® Meetings.  As we guide you to managing your online banking and bill-pay, we direct your recirculated margin float to an account we establish for you here at Payzero® Incorporated. Your trust fund will have the ability to make your auto loan payments every month independent of your household budget  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!
The C.O.L.R System will work with any bank. *PayZero™ Inc. Taxes Preparation and Financial Services has Zero access to your bank account(s) **The National Monthly Refund Average per household is $1,275.
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 to have as many bills and expenses as possible paid on your bank’s electronic bill pay (No Credit Unions unless it’s USAA®)