PayDownHero is live in the App Store for iOS, we help users pay off their auto loans faster and more efficiently. We charge a monthly user fee of $.99 and an additional 2.5% of round ups and both types of micro payments, and if a user opts to make their base payment, .5% of that a month too. My goal was to build the company to help show people how detrimental high interest rates can be, combat that aggressively, and achieve financial freedom.