Finance anything without interest.
We're a savings club, not a bank loan. You save alongside other people and pay one flat fee, never interest.
The world already does this
These brands run flat-fee savings clubs for 30 million Germans, 13 million Brazilians, and a billion people across 90+ countries. In America, they charge you 7 to 12%+ APR instead. Why?
You had two options. Here's a third.
A billion people already use a savings.club. It just never existed in America. Until now.
Pay cash
Wait years while the price keeps climbing.
Finance it
Drive now, pay years of compound interest.
See how much you keep and your buying power
You keep $17,64328% less than the bank
Sourced: Experian, Fed, Freddie Mac. Educational, not a financing offer. Other prices compute from the same APR and flat-fee formula.
HOW IT WORKS
Five steps. No fine print.
What you'd pay
ESTIMATED MONTHLY
$474/movs $621/mo at a bank
VOUCHER VALUE
$35,000
PLAN LENGTH
96 months
TOTAL COST
$45,500
FLAT FEE
$10,500
PAYMENT
Monthly
YOU KEEP
$17,643
Calculate & Join
Simulate and choose the club that fits your plan.
Download our app
Progress (13 of 96)
History ›Paid
$6,161
Remaining
$39,339
Contribute
Monthly to the Common Fund, in a protected trust at US Bank (FDIC).
Credit Voucher
PARTICIPANT
MC#0064
64
SAVING SCORE
PARTICIPANT
MC#0058
58
SAVING SCORE
PARTICIPANT
MC#0051
51
SAVING SCORE
PARTICIPANT
MC#0047
47
SAVING SCORE
Get selected
On the 15th, by your Savings Score. You control your timeline through your own actions.
$35,000
savings.club
VOUCHER
BENEFICIARY
Maya Bennett
ISSUED
Jun 5
ID
···· 0139
Claim your voucher
Receive your Purchasing Voucher when your turn comes.
Buy & own it
Buy at any dealer. Title in your name, no debt on record.
BUILT TO BE SAFE
Your money is protected. By design.
US Bank · FDIC
Federal deposit insurance on the trust account.
Bankruptcy-remote trust
Jackson Hole Trust, an independent fiduciary. If we fail, your funds do not.
Member Governing Board
A member-elected board audits the trust.
AI-Protected
Patent-pending AI keeps the group healthy.
Every asset is collateralized with standard liens, the same as a bank. · Backed by research from BIS, Wharton, and the Federal Reserve.
FLEXIBILITY
Life happens. We planned for it.
Lost your job?
Pay half this month. Keep your spot.
Need to pause?
Freeze your payments and resume later.
Want out?
Transfer your membership. No penalty.
No additional fees. Every contribution sits in an irrevocable trust at US Bank (FDIC-insured), and patent-pending AI keeps the group healthy.
Everything the bank takes, you keep.
A flat $10,500 fee, not $28,143 in compound interest.
$17,643
STAYS IN YOUR POCKET
SEE YOUR BUYING POWER
See how much you could save.
No guesswork. Real numbers. You know your total cost before you join. It never changes. No daily accrual. No compounding.
- Monthly payment
- $621/mo
- Down payment
- $3,500
- Interest charges
- $28,143
- Monthly contribution
- $474/mo
- Down payment
- $0
- Flat fee
- $10,500
No credit check. 7-day satisfaction guarantee.
Traditional financing rates based on Experian State of Auto Finance Q3 2025. Educational, not a financing offer. Individual results vary by Savings Score and plan.
REAL MEMBERS. REAL RESULTS.
From one car to entire fleets.
“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.”
$150
/mo after refinancing
$410
saved every month
Fillipo Madela
Austin, TX · Vehicle Club
“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 to 60% less than anyone else in the industry. My competitors are paying bank rates. I am not. The ROI difference is night and day.”
10
clubs acquired
1st
voucher received
Allycar.com
Orlando, FL · Fleet Program
“Once I understood how the game is played, I focused on what I could control. I optimized my Savings Score, kept my risk low, and watched my rank climb week after week. I got my voucher faster than I expected.”
1st
voucher received
Fabricio D.
Boston, MA · Vehicle Club
Real members, real results. Individual outcomes depend on your plan, your Savings Score, and your timeline.
FLAT FEE, NOT INTEREST
Stop paying interest. Start keeping your money.
Flat fee. Monthly contributions only. Every credit profile welcome. Your money sits in an irrevocable trust at US Bank, FDIC-insured. This is how a billion people already finance. Now it is your turn.
Operating in TX, FL, MA, CT. Not in one of these states yet? Join our waiting list.