Cars. Real estate. Robots. Aircraft. Equipment. A flat fee instead of accruing interest. Over 250 million people already use this system worldwide. With the first and largest savings club administrator in the United States, now you can too.
Patent-pending Technology
Why do these brands offer zero-interest financing in Brazil, Mexico, and across Latin America — but charge Americans 7–12% APR?
Six product categories. One system. Always cheaper than traditional financing.
Walk into a dealership. Fall in love with a car. Sign whatever they put in front of you. Sound familiar? That is exactly what banks are counting on. They profit from your urgency, your excitement, and your lack of planning. The result: Americans carry $1.6 trillion in auto debt alone, paying billions in interest every year.
On a $45,000 car, you could pay over $35,000 in interest charges alone. That is like buying two cars: one for you, and another for the bank.
On a $400,000 home, you could end up paying nearly double the price. Banks prioritize interest over principal, so you spend years paying the lender before you start building real equity.
Savings.Club strips away every part of traditional financing that works against you and replaces it with a structure that works for you.
You know your total cost before you join. It never changes.
Banks charge interest that accrues daily and compounds over years. On a $45,000 car, you could pay over $35,000 in extra charges. Savings.Club charges a flat fee instead: calculated once, disclosed upfront, and it never changes. No daily accrual. No compounding. The majority of every payment goes toward your principal, not a lender's profit.
Your Savings Score determines your priority, not a bank's algorithm.
No hard inquiry. No denial risk. Your priority is determined by your Savings Score, a metric you control through on-time contributions and participation. You may optionally share your credit score to boost your ranking, but it is never required. Anyone can participate.
You know your total cost before you join. It never changes.
Traditional financing requires 10 to 20% down. On a $400,000 home, that is $40,000 to $80,000 before you can even begin. With Savings.Club, there is no down payment. You start contributing from day one. Anyone can participate, regardless of how much cash they have today.
No restrictions. No preferred dealer networks. No markups.
Every contribution goes into an irrevocable trust overseen by Jackson Hole Trust Company, a licensed fiduciary. The trust's bank account is at US Bank (FDIC-insured). Savings.Club cannot access or redirect these funds. A Member Governing Board provides additional oversight.
No restrictions. No preferred dealer networks. No markups.
Your purchasing voucher works at any dealer, all manufacturers of street-legal vehicles. No preferred networks, no forced partnerships, no markups. You find the deal, negotiate the price, and we fund it. Your choice, not a lender's.
Freeze, half-pay, or transfer your membership during the savings phase.
Lost your job? Half-pay. Need to pause? Freeze. Want out? Transfer your membership. During the savings phase, you have flexibility that traditional financing never offers. No repossession risk. After your voucher is awarded, standard obligations apply, but we work with every member to find solutions.
Pay cash and wait years. Or finance through a bank and pay double. Leasing and renting mean you never own anything. The industry never wanted you to know about the third option to own your dreams. Over 250 million people in 100+ countries already use it. Now the first and largest savings club administrator in the United States makes it available to you.
| Pay Cash | Traditional Financing |
|
|
|---|---|---|---|
| How it works | Save 100%, then buy | Borrow now, pay interest charges | Save together, flat fee |
| Wait time | Years of saving alone | Immediate (if approved) | You control via Savings Score |
| Total cost | Asset price only | Often 2x to 3.5x the price | Asset price + flat fee |
| Credit check | None | Hard inquiry. Can be denied. | Optional. Never required to join. |
| Down payment | 100% upfront | 10 to 20% required | Monthly dues only |
| Flexibility | N/A | No. Miss = repossession. | Savings phase: freeze, half-pay, or transfer |
| Choose any dealer | Yes | Often restricted | Yes. Any dealer, all manufacturers. |
| Affects debt-to-income | No | Yes | No |
| Technology | N/A | Standard credit scoring | Patent-pending AI assessment |
| What if you lose your job? | Stop saving, eat into reserves | Repossession risk | Savings phase: half-pay, freeze, or transfer |
The world's largest auto brands, GM, Ford, Toyota, Honda, Volkswagen, Nissan, Mercedes-Benz, all run their own programs outside the United States.
In Brazil, this system is called consorcio. In Argentina, plan de ahorro. In Mexico, autofinanciamiento. In the Middle East, jam'iyya. It has been operating for over 800 years across 100+ countries. Over 250 million people use it today.
Savings.Club is the first and largest formal savings club administrator in the United States, powered by patent-pending AI technology that makes the system smarter, faster, and fairer than ever before.
Your money doesn't sit in a Savings.Club account. It sits in a legally separate, irrevocable trust that we cannot touch. Here's the full structure.
Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
A licensed fiduciary with a legal obligation to protect your money. They execute all fund transactions in accordance with the terms of the membership agreement and to the benefit of its members.
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
An elected board of members audits the trust, ensures compliance, and provides an additional layer of oversight beyond the independent trustee.
Our in-house, patent-pending AI solution powers the Savings Score assessment — the engine that determines which members receive purchasing power each month. This is not off-the-shelf software. It is proprietary technology built specifically for the savings club model.
7-day money-back guarantee on every membership.
Join, review everything, and if it is not for you, cancel within 7 days for a full refund. No questions asked.
From refinancing at a fraction of the cost to building entire fleets, our members are already seeing the difference.
"I was paying $560 a month on my car. I joined a club, contributed for a few months, got my voucher, and refinanced. Now I pay $150 a month for the same car. Same car. Same me. $410 less every single month."
"I run a car rental business in Orlando through Allycar.com. I acquired 10 clubs to grow my fleet. Already got my first voucher and I am financing vehicles for 40-60% less than anyone else in the industry. My competitors are paying bank rates. I am not. The ROI difference is night and day."
"I have been contributing for four months now. My Savings Score keeps climbing. I can see exactly where I stand in the ranking and what I need to do to move up. It feels like I am in control of the process instead of waiting for a bank to decide my fate."
"What convinced me was the trust structure. My money is not sitting in some company's account. It is in an irrevocable trust with its bank account at US Bank, managed by an independent fiduciary. I verified it myself. That level of protection is something I have never seen in any financing product."
"I was denied by three banks because of my credit history. A friend told me about Savings.Club. I started contributing the same week. For the first time in years, I actually feel like I have a path to owning a car without feeling abused."
01 / 05
Bring your bank's best offer. Any bank, any credit union, any lender. If they can offer a lower monthly payment on the same asset, we'll pay your first month.
Take the DareComparison based on standard market APR rates. Excludes manufacturer-subsidized 0% APR promotions, employee pricing programs, loyalty incentives, and limited-time promotional rates on specific models. These are loss-leader offers not available to most buyers.
Five steps. No paperwork. No credit check required. No interest.
Vehicles, commercial real estate, robots, homes, aircraft, or equipment. Pick the asset you want to own. Each product has its own clubs organized by price range.
A savings club is a group of members financing assets in the same price range. Your club is your community. Everyone contributes monthly into the same protected common fund held in an irrevocable trust.
Fixed monthly contribution into the common fund, held in a protected trust account at US Bank (FDIC-insured). No surprises. No variable rates. No daily accrual. The amount you see is the amount you pay.
Members are assessed monthly on the 15th through our patent-pending AI solution based on Savings Score ranking. You control your timeline through your own actions. Actively accelerate your voucher by increasing your Savings Score.
Receive your purchasing voucher and use it at any dealer, all manufacturers of street-legal vehicles. The title goes in your name, and we secure the asset with a lien to protect all club members. Continue contributing to fulfill your club obligation.
If you are comparing options, this calculator shows exactly what traditional financing costs you versus a Savings.Club membership. No guesswork.
Your estimated savings with Savings.Club
$21.089
That's 33% less than traditional financing
Traditional financing rates based on Experian State of Auto Finance Q3 2025. Savings.Club uses a transparent flat fee structure. Actual terms vary based on your Savings Score and plan selection. This calculator is for educational purposes only and does not constitute a financing offer. Individual results may vary.2,3
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We'll send you a personalized savings report. No spam. Unsubscribe anytime.Everything you need to know before you join.
You join a group of members who contribute monthly to a common fund held in an irrevocable trust. Each month, members are ranked by their Savings Score. Those at the top receive a purchasing voucher to buy their asset. You pay a flat fee instead of interest charges, and you know your total cost from day one. Every payment builds equity. The math is simple: a flat fee instead of compounding interest means you keep more of what you pay.
For every member, at every credit tier, Savings.Club costs less than traditional financing. That is why we have the dare: bring your bank's best offer, and if they can beat our monthly payment on the same asset, we will pay your first month. This is possible because the money comes from the members themselves, not from borrowed capital. No cost of capital means no interest charges passed to you.
Your timeline depends on your Savings Score, which you control through on-time payments, advance contributions, and participation. Each month, members are ranked by their Savings Score using our patent-pending scoring system. Those at the top receive their purchasing voucher that month. You can monitor your progress in real-time through the app and actively accelerate your timeline by increasing your Savings Score.
Every common fund contribution goes into an irrevocable trust managed by Jackson Hole Trust Company, a licensed fiduciary. The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds. Savings.Club cannot access the trust. A Member Governing Board audits and ensures compliance. This is the same trust structure used by institutional investors.
All credit profiles are accepted. You may optionally provide your credit score to help improve your Savings Score, but it is never required to join. Your priority is determined by your Savings Score, which you control through three primary activities: on-time contributions, advance payments, and participation.
We are currently operating in TX, FL, MA, and CT, with plans to expand to all 50 US states. We also support residents of other countries looking to purchase assets in the USA. Join the waitlist to be notified when we expand to your state.
During the savings phase (before your voucher is awarded), you can switch to half-payments, freeze your contributions entirely, or transfer your membership to someone else. After your voucher is awarded and you enter the borrowing phase, standard obligations apply, similar to any financing arrangement. But we work with every member to find solutions and avoid repossession.
You use your purchasing voucher to buy your asset from any dealer, all manufacturers of street-legal vehicles. The title is in your name, and we secure the asset with a lien to protect all club members. You then continue contributing to fulfill your club obligation. During this phase, standard obligations apply. You can hold your voucher indefinitely and use it when it is most convenient for you.
Join a savings club for the asset you want. Or join the waitlist to be first in line when new products launch. Spots are filling fast. Early members get priority access. We release access first-come, first-served and through referrals.
Pick your product, tell us about yourself, and get started in under 5 minutes. No credit check required.
See exactly how the system works, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
Operating in TX, FL, MA, CT. Other states coming soon. Support available in English, Spanish, and Portuguese.