Paylo lets you pre-pay for gas at today's price. No matter where the market goes — up, down, or sideways — your rate stays locked. Beautifully simple, premium, and ridiculously fair.
Six small ideas, one big calm. Drop in $60, lock a rate, and let us handle the volatility — like a treasury for your tank.
Lock $3.10/gal today. We absorb every spike, hurricane, OPEC headline, and surprise-tariff for the next twelve months.
Drop in $60 to start. We invest it for you and use the gains to cushion your gallons. No subscription. No surprises.
Across 12,400 drivers in 2025. Calculated post-fees.
Use the Paylo card at any pump. We rebate the difference instantly.
Your $60 sits in T-bills. Withdraw any time, with interest.
One small annual fee. The math's on the website. Promise.
Mar 2025 → Mar 2026. The blue line is what your neighbours paid. The dashed line is what you paid.
Add $60 — or whatever fits. The bigger the bank, the more gallons you protect.
Today's gas price becomes your gas price. It's binding for 12 months.
Tap the Paylo card. We refund the difference between market and your rate.
A glass-walled treasury for your tank. Mostly T-bills, with a small precise hedge against gas spikes.
Short-duration U.S. Treasuries. Safe, liquid, yielding ~4.7% APY.
Crude oil futures matched to your locked gallons. This is what protects you from spikes.
Volatility buffer + the small fee that keeps the lights on.
Slide in your driving habits and current pump price. We'll show you what locking with Paylo would have meant.
I haven't checked a gas price in eight months. Genuinely forgot they fluctuate.
My commute is 80 miles a day. Paylo paid for itself by week three. The card feels nice too.
Wing-meets-Robinhood-meets-Apple-Card. Beautiful.
The math is honest. The app is calm. Unusual combo.
Drove cross-country last summer. Same price every fill-up.
Three sizes. No hidden fees. Cancel anytime — your principal is yours, always.