The Advantage2U® system is an on-line system that increases the buying power of customers, enables customers to pay down a vehicle loan more quickly than the standard payments for the loan term would allow, and enables customers with negative equity in a vehicle loan to more quickly reach a position of positive equity. The Advantage2U system accomplishes this by collecting weekly payments from customers, instead of monthly payments from the customers. Since vehicle loans require monthly payments, the Advantage2U system collects one quarter of the total monthly payment per week. However, since this results in the customer paying one quarter of the monthly payment for 52 weeks in a given year, instead of the customer making 12 monthly payments, the customer has effectively made 13 monthly payments in a given year, and the extra amounts paid are directly applied to the principal of the loan.