Over a billion people in 90+ countries buy cars, homes, and equipment at a fraction of the cost.
The model is over 800 years old. The world's largest automakers run it. The world's largest banks built their businesses on it.
Here is the evidence.
Click any dot to see local names, institutions, and details. The star marks home.
THE AUTOMAKERS
The world's biggest automakers already use this model.
Ford
400K+ delivered
Ford calls it "Ford Forever" in Brazil. Flat fee, no interest. In America? They charge you APR.
General Motors
1M+ members
Chevy runs savings clubs in Brazil and Colombia. Two continents, one model: flat fee, no interest.
Stellantis
4 brands
Jeep, Fiat, Peugeot, Citroen — all under one flat-fee savings club umbrella in Latin America.
Toyota
15K+ active
Runs savings clubs in Brazil and Argentina. In the US? They charge 6.8% APR for the same cars.
Honda
8M+ delivered
The world's largest savings club program. Eight million vehicles delivered. No interest charged.
Mazda
6,100+ clients
Runs savings clubs in Mexico through Grupo Autofin. Active for years. Flat fee only.
BMW
Active program
No interest in Brazil. 5.49% APR in America. Same cars, same company, different rules.
Mercedes-Benz
40+ years
Luxury vehicles, flat fee, four decades running. US buyers pay 5.9% APR for the same badge.
Volkswagen
700K+ delivered
Operates savings clubs in three countries. A core business unit generating billions, not a side project.
In these programs, members pay no interest. Instead, they pay a flat administration fee (typically 10–15% of the asset value, spread evenly across the full term). The fee does not compound. It does not fluctuate. All links above are live and verifiable.
THE BANKING GIANTS
The world's largest banks built their businesses on it.
United Kingdom
Nationwide Building Society
Since 1775
The original savings club model. Members pooled savings and took turns buying homes from the shared fund. Older than America itself. Nationwide, now the world's largest building society with over £400 billion in assets, grew directly from this tradition.
Visit NationwideGermany
Sparkassen / LBS
€2.4T
In total contracts. Bigger than JPMorgan Chase.
22.7 million active Bausparen contracts. 60% of German property buyers use this model. Members save together, then access low-cost loans at a blended rate of 0.25–0.58% — compared to 6.05% for a US mortgage.
See it yourselfAustria
1 in 2
Raiffeisen Bausparkasse
Half the country. In a nation of 9 million, over 5 million active contracts. This is not alternative finance. It is how Austrians buy property.
See it yourselfBrazil
Central Bank of Brazil / ABAC
$85 billion
Annual volume. Regulated by the central bank since 1962.
12.76 million active members. 6.1% of GDP. Government-regulated mainstream banking overseen by the Central Bank of Brazil. Members pay no interest — only a flat administration fee.
Visit ABAC (industry association)