Can anyone join savings.club?

We ask for your Social Security Number as a part of an authorization request to conduct a credit check. This is optional and you can still fully participate in a club without a credit check or providing a Social Security Number.

What is an EAPR and what’s the difference between traditional loan APR?

With traditional loans, APR is an annual rate calculated based on fees you pay to secure the loan. Here at savings.club we use EAPR (Equivalent Annual Percent Rate) where you only pay for your vehicle and administrative fees. Our administration fees are used to keep up savings.club's infrastructure and EAPR means no compounding interest, ever.

Why is savings.club so much cheaper than traditional financing?

With savings.club, you only pay what you need to. All of the hidden fees and costs you pay with traditional loans aren’t a factor in our pricing. You’ll only ever pay for your car and administration fees so that we can properly run your club.

When will I get my car?

You can pick out a car from any dealership once you’ve received a credit voucher. Your eligibility for a voucher is dependent on your savings score. You can increase your score the more you make on time payments. The higher it is, the sooner you can receive your voucher and buy a car. The voucher works just like cash, so you can drive off the lot with your car once you decide which one is best for you.

Simulate a Deal

Choose a Club to join based in your car value and start your journey!

Vehicle Price $

My Credit Score

Loan Term (Months)

Circle Traditional Finacing

Circle Savings Club

Traditional Finacing

You’ll get your car instantly,
but with higher fees, minimal support and frustration with high interest for your car.

Savings Club

You won’t get your car instantly,
but you'll have the chance each month until the end of your loan term.

Save

How do half payments work?

Before you start...

Savings club it’s not for..

Those who need a car now. You have to wait a bit to get a voucher for a car.

Before you start...

Half Payment

You can start paying half of the monthly amount and pay the rest after you’ve won your voucher.

Before you start...

Getting started

At savings.club, you’ll be part of a group that saves money so that each member can buy a vehicle.

Simulate a Deal

The product

Support

Resources

Learn with us

Simulate a Deal

The product

Support

Resources

Learn with us

Subscribe now