Sell cars with built-in financing. Keep more margin.
Carry Savings.Club Purchasing Vouchers, attach them to vehicles on your lot, and offer buyers monthly payments lower than banks, while keeping more dealer margin per unit.
- $3,000 to $4,000 more per unit
- Lower buyer payments
- No bank in the middle
1 Purchasing Voucher
married to one vehicle
Lower payment
higher-margin sale
$3,000 to $4,000
more, on top of your normal deal
THE VOUCHER MATH ($45,000 VEHICLE)
Cheaper for the buyer. More profitable for you.
$3,000 to $4,000
more front-end gross per unit
$516 to $609
buyer monthly, vs. $782 on a bank deal
$0
banks in the middle of the deal
Illustrative comparison based on standard 60-month amortization at 9.7% APR (Experian Q3 2025) vs. flat-fee voucher math. Actual results vary by deal structure, voucher value, and dealer pricing.
THE MARGIN SQUEEZE EVERY DEALER FACES
Cheaper for the buyer. More profitable for you.
Payment ceilings
Bank financing creates payment ceilings. Buyers walk when monthly payment exceeds their bank-approved budget.
Unaffordable subprime
Subprime buyers are profitable but unaffordable at 15-25% APR.
Shrinking F&I revenue
F&I revenue pressure shrinks every year as buyers shop rates online.
Smaller incentives
Manufacturer incentives keep getting smaller and harder to qualify for.
Failed financing
Failed financing leaves units back on your lot, eating more days-in-inventory.
Margin compression
Online-direct competitors compress per-unit margin from above and below.
HOW THE VOUCHER INVENTORY MODEL WORKS
Four steps from voucher to higher gross.
- 1
Build your voucher bank.
Stockpile awarded Purchasing Vouchers from completed fleet contracts. Your business holds the vouchers; you choose when and how to attach them.
- 2
Marry the money to the metal.
Attach a specific voucher to a specific vehicle on your lot. Now the unit and its financing source travel together.
- 3
Win on the payment close.
Show buyers their voucher payment vs. their bank-financing payment side-by-side. Lower monthly. Same vehicle. Higher-margin sale for you.
- 4
Recapture your capital and gross.
On sale, your contributions return as equity plus the front-end markup. Voucher cycles back into the bank to attach to the next unit.
WHAT YOU GAIN
A financing rail you own.
Higher per-unit margin
$3,000 to $4,000 more in front-end gross profit per unit.
Close more deals
No bank-rejection wall. Voucher financing is yours to offer.
Lower buyer payments
Flat-fee math beats compound interest on monthly payment math.
No bank in the middle
You own the financing rail. No third-party rate sheets.
Subprime without the risk
Voucher math works regardless of buyer credit profile.
Recurring revenue model
Each voucher cycle is a repeatable margin event.
BUILD YOUR VOUCHER OPERATION
Start small. Build your voucher operation.
From 3 to 5 vouchers to 15 to 20 or more over 6 to 12 months. The voucher bank grows with your sales floor.
- Month 1: onboard, acquire your first 3 to 5 vouchers, train your sales floor on voucher payment math.
- Q1: attach vouchers to inventory, refine payment-comparison scripts, track close-rate lift on voucher deals vs. bank deals.
- Month 6: voucher bank operating at 8 to 12 in flight. Voucher revenue is now a measurable line in your F&I report.
- Year 1 and beyond: 15 to 20 or more vouchers in flight, a dedicated voucher sales process, recurring revenue that compounds.
THE MATH ($45,000 VEHICLE)
Bank deal vs. Voucher deal.
| Traditional bank | Savings.Club voucher | |
|---|---|---|
| Monthly payment to buyer | $782 | $516 to $609 |
| Front-end gross to dealer | $1,500 to $2,500 | $4,500 to $6,500 |
| Deal close rate | 60 to 70% | Near-zero financing rejections |
| Bank involvement | Required | None |
| Buyer credit pull | Yes | No |
Illustrative comparison based on standard 60-month amortization at 9.7% APR (Experian Q3 2025) vs. flat-fee voucher math. Actual results vary by deal structure, voucher value, and dealer pricing.
COMMON QUESTIONS
Common questions.
Two paths: (1) join savings clubs as a member yourself; (2) acquire vouchers from completed fleet contracts. Both deliver vouchers your business can attach to inventory.
Apply for the Dealer Program.
Tell us about your rooftop and we will map out your voucher inventory economics and the front-end gross per unit.
Available in TX, FL, MA, and CT.