Vehicles
A Smarter Way to Own Your Next Car.
Skip the interest and own your vehicle for less. Aside from a flat Membership Fee, every dollar you contribute to the common fund goes straight toward your car.
No down payment, no interest, and all credit profiles welcome.
By comparison, the average American pays $782/month for a new loan, with nearly a third of trade-ins underwater.
Why do these brands offer zero-interest financing in Brazil, Mexico, and across Latin America — but charge Americans 7–12% APR?
You are paying way too much for your car.
When you get a car loan, the bank charges you extra money every single day. Most of your monthly payment goes to the bank, not toward your car. You spend years making payments and barely own any of it.
Average credit buyer
$35,000+
On a $45,000 car, someone with average credit ends up paying over $35,000 in extra charges to the bank. That is like buying two cars — one for you and another for the bank. You only get to drive one of them.
Even perfect credit
Thousands more
Even someone with perfect credit pays thousands more than the car is worth. The bank gets money cheap and charges you a lot more. The difference goes straight into their pocket.
Savings.Club replaces all of that with one simple flat fee. You know exactly what you will pay before you join. It never goes up. No surprises.
What you save. Every month.
Same vehicle. Same buyer. See what you save over the life of the purchase.
| Credit Tier | Savings.Club | Traditional | You Save |
|---|---|---|---|
| Deep Subprime (300–500) | $609/mo | $1,088/mo | $343/mo |
| Subprime (501–600) | $586/mo | $834/mo | $366/mo |
| Near Prime (601–660) | $562/mo | $756/mo | $390/mo |
| Prime (661–780) | $539/mo | $607/mo | $413/mo |
| Super Prime (781–850) | $516/mo | $574/mo | $436/mo |
Everything a vehicle savings club includes.
No hidden fees. No fine print. No surprises. Here's exactly what you get when you join.
Any car, truck, SUV, or motorcycle.
All manufacturers of street-legal vehicles. New or used. Sedan, pickup, SUV, crossover, van, motorcycle. If it has wheels and a title, you can acquire it through your club.
Any dealership.
There are no preferred dealer networks, no markups, and no restrictions. You find the deal. You negotiate the price. We fund it. Private sales accepted when intermediated by a dealer.
Flat fee. Known from day one.
Your total cost is calculated before you join and it never changes. No variable rates. No daily accrual. No interest charges. The number you see is the number you pay.
$0 down payment.
Start contributing monthly from day one. No lump sum upfront. No 10 to 20% barrier to entry. The system is designed so that anyone can participate.
All credit profiles accepted.
Your priority is based on your Savings Score, a metric you control through your own actions. Every credit profile is welcome.
Real-time tracking.
See your position, your Savings Score, your club members, and your progress in real-time through the app. Full transparency. No black boxes.
We dare you to find a better deal.
Bring your bank's best offer. Any bank, any credit union, any lender. If they can offer a lower monthly payment on the same vehicle, we will pay your first month.
Comparison 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.
The world's biggest auto brands already offer this.
These brands already use this system in dozens of countries. Savings.Club finances them all in the United States.
GM / Chevrolet
🇧🇷 🇨🇴 🇪🇨
600K+ members in Brazil. ChevyPlan in Colombia since 1962. GM chooses to offer flat-fee financing there, but not to Americans. Savings.Club finances GM vehicles here.
Ford
🇧🇷 🇲🇽
Started the first manufacturer savings club in Brazil in 1967. 57 years of flat-fee financing. Ford chooses not to offer this to Americans. Savings.Club finances Ford vehicles here.
Volkswagen
🇧🇷 🇦🇷 🇲🇽
One of the largest savings club administrators in Brazil. Millions of members. Flat fee, no interest charges. VW chooses not to offer this to Americans. Savings.Club finances VW vehicles here.
Toyota
🇧🇷 🇦🇷
Offers savings clubs in Brazil and Argentina. Same cars, different deal. Toyota chooses not to offer this to Americans. Savings.Club finances Toyota vehicles here.
Honda
🇧🇷
6 million customers since 1981. 43+ years of flat-fee vehicle financing in Brazil. Honda chooses not to offer this to Americans. Savings.Club finances Honda vehicles here.
Nissan
🇧🇷 🇲🇽
#1 automaker in Mexico. Offers savings club financing there. Nissan chooses not to offer this to Americans. Savings.Club finances Nissan vehicles here.
Fiat
🇧🇷 🇦🇷
One of the top savings club programs in Brazil. Flat-fee financing for everyone there. Fiat chooses not to offer this to Americans. Savings.Club finances Fiat vehicles here.
Mercedes-Benz
🇦🇷
Offers savings club programs for commercial vehicles in Argentina. Mercedes chooses not to offer this to Americans. Savings.Club finances Mercedes vehicles here.
Security
Your money is protected. Here's exactly how.
Irrevocable Trust
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.
Independent Trustee
Jackson Hole Trust Company, a licensed fiduciary with a legal obligation to protect your money. They execute fund transactions under the terms of the membership agreement, in accordance with the club rules, and to the benefit of its members.
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
7-Day Guarantee
Join, review everything, and if it is not for you, cancel within 7 days for a full refund. No questions asked.
Standard protection stops short. We go further.
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.
Irrevocable Trust
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.
Independent Trustee
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.
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
Member Governing Board
An elected board of members audits the trust, ensures compliance, and provides an additional layer of oversight beyond the independent trustee.
Proprietary AI Assessment System
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.
Life happens. We built the system to handle it.
With traditional financing, miss a payment and you risk repossession. With Savings.Club, you have options that no bank offers. During the savings phase, before you receive your vehicle:
The Half-Pay Option
Switch to half-payments if your budget gets tight. Your Savings Score adjusts, but you stay in the club and keep your position.
The Freeze Button
Pause your contributions entirely if life changes unexpectedly. Job loss, medical emergency, family situation. Your membership stays active. Resume when you are ready. No penalties.
The Exit Door
Transfer your membership to someone else. Convert to a different asset type. Or simply exit. Your equity is in trust. You have options
Available during the savings phase, before your voucher is awarded. After your voucher is awarded and you enter the borrowing phase, standard obligations apply, but we work hard with every member to find solutions.
Fleet Operators
Building a fleet?
We built this for you.
Car rental operators, ride-share businesses, delivery fleets, and commercial operators are using Savings.Club to acquire vehicles at a fraction of the cost. Whether you are building a new fleet, upgrading an existing one, or replacing expensive fleet financing, the math is devastating for anyone still using bank rates.
Already own your fleet outright? Use your current vehicles as collateral to secure a loan from Savings.Club and put that cash back into your business for whatever you need.
Build a New Fleet
Acquire as many simultaneous savings club memberships as you need. Each membership finances one vehicle. Scale your fleet on your timeline.
Upgrade Your Fleet
Replace aging vehicles one at a time without disrupting operations. New memberships run alongside existing ones. Upgrade without the bank's permission.
Replace Fleet Financing
Already financing through a bank? Transition to Savings.Club and cut your monthly costs across every vehicle. The savings compound with every unit.
Unlock Fleet Equity
Own your fleet outright? Use your vehicles as collateral to access capital through Savings.Club. Put that cash back into your business.
Member Stories
Members are already saving.
From refinancing at a fraction of the cost to building entire rental fleets, vehicle savings club members are seeing real results.
01 / 05
Auto Loan vs. Vehicle Savings Club
Real numbers. No tricks. See exactly what you save with each option.
Example: $45,000 vehicle, 96-month term
Savings Club members pay less per month than traditional financing for the same credit tier, all credit profiles accepted.
Savings Club members pay less per month than traditional financing for the same credit tier, all credit profiles accepted.
Frequently asked questions.
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 mandatory. Your priority is determined by your Savings Score, which you control through three primary activities: on-time contributions, advance payments, and referrals.
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.
Stop overpaying. Start owning.
Any car, truck, SUV, or motorcycle from any manufacturer. New or used, flat fee, all credit profiles accepted, no down payment.
Ready to join?
Pick your vehicle price range, tell us about yourself, and get started in under 5 minutes. All credit profiles accepted.
Want to learn more?
See exactly how vehicle savings clubs work, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
How It Works →Operating in TX, FL, MA, CT. Other states coming soon.