Abstract: A method for providing an insurance deductible payment service includes a service provider receiving contributions from a client and limiting the client's rights to the contributions to withdrawal for the purpose of paying an insurance deductible. As a result of an deductible assessed to the client, the method includes making an advance of contributions, as a loan, to pay at least a portion of the deductible. The method may include educating a client regarding financial management benefits potentially obtained by increasing a collision deductible and entering an agreement with the client to provide payment services. A method for initiating a payment service contract includes presenting to a potential client an offer of a service provider to receive one or more contributions as above. The presentation includes an offer to make an advance of contributions, as a loan, to pay at least a portion of the deductible.