Buying your first car can be very exciting!

Figuring out your budget, doing your research, deciding what type of car you want can all be a lot of fun - but it can also be nerve-wracking!

Not sure where to start?

Most first time car buyers don’t have the cash in had to pay for a vehicle outright and trying to figure out a finance option that you can afford can be difficult and confusing!

That’s where Savings Club comes in!
• That’s where Savings Club comes in!

How it Works

Savings Club provides the most cost effective way to purchase a vehicle. We help you to stop dreaming and start saving!

  1. Members join a group of like minded savers who have a common goal in mind – buying their next vehicle.
  2. Each member contributes a set amount of money to the fund each month.
  3. Once you have your voucher, the fun begins and you can purchase your dream car!

Savings Club does not have a credit history or co-signer requirement.

How Savings Club Compares

See how Savings Club stacks up compared to other auto financing and payment options.

  • Least expensive
  • Most flexible
  • No credit check
  • Builds credit history
  • No SSN required

    Savings Club

    pay with cash

    Traditional financing

    Buy-here Pay-here


Known as consortia. We bring people and their resources together to make it easy for you to buy the car of your dreams.

Start Saving

0% interest rates

Only pay a small monthly fee

No credit check

You can still save despite not having a credit score

Cheaper financing

Save up to 10%* compared to other loans

Establish credit

Your credit voucher can be used anywhere

Auto Loan Calculator

Use our precise loan calculator to see how much you will save.

Vehicle price*
Interest Rate %*
Zip code
Down Payment
Trade-in Value

Contract duration (in months)

How much can you afford per month?*
Interest Rate %*
Zip code
Down Payment
Trade-in Value

Contract duration (in months)

Deals for you

Which vehicle and price range is right for you? With Savings Club, you can get the vehicle you always wanted

See all Clubs

Purchase your vehicle through a Savings Club membership

Here are some other tips for buying your first car:

Determine what your vehicle needs and wants are and be realistic

You don’t need something with all the bells and whistles, but you should still pay attention to your want list so that you can find a car that you will be happy with for a while.

Establish a budget you can truly afford

And don’t forget to factor in the cost of insurance, gas, and maintenance!

Do your research and be flexible

Figure out what types of cars will meet your financial and personal needs and be open to at least a few different makes and models. That way, you will have an easier time finding the right car for you.

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