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.

You can budget better with the

Half Payment plan

Show me the deals Cost $ 294.03mo

How do half payments work?

1 Choose half payments

You initially pay half of what you’d pay in a regular savings club plan

2 Keep up with payments

Pay half an installment every month until you receive your credit voucher

3 Finish with full payments

You’ll pay standard prices once you receive your credit voucher.

Half payment clubs for you

savings.club lets you pay half your monthly rate until you're awarded your voucher. See what plan works best for you.

Loan Amount
$30k

In 84 months
Under $45k Club

Starting at
$436.62/mo

$218.31/mo

You save
$4,047.06

80% chance of getting a car between

Join this club

Loan Amount
$40k

In 84 months
Under $45k Club

Starting at
$598.33/mo

$299.16 /mo

You save
$4,047.06

80% chance of getting a car between

Join this club

Loan Amount
$50k

In 84 months
Under $45k Club

Starting at
$773.57/mo

$386.78/mo

You save
$4,047.06

80% chance of getting a car between

Join this club

Explore personalized deals on auto financing

Save money through half payments and get your new car for less than you thought possible.

start now →

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Loved by users,
hated by banks

4.5 out of 5

An opportunity to buy without high interests

I saw in a savings.club a real opportunity to buy a Truck without paying interest. Surely I would recommend it to my friends and family.

Nilson César

Fast and affordable

I was surprised that I got my credit voucher in the third month. I got my new car quickly with an affordable payment plan, without all those fees and interest.

Thalles Guimarães

Made my dream come true

My experience was amazing. I had a dream to buy a new car, and a savings.club helped me to make this dream come true. It was above all my expectations and they offered me all the support I needed.

Ricardo Couto

It's worth it to wait

I needed a car to go to college 33 miles away. I went to a dealership that advised me to join a savings.club. It wasn't easy to save, but I'm glad I did it, and I recommend it to all my friends.

Queila Silva

Planning to pay less

We are happy and glad to have the help of the savings.club to plan and change our car into a new model with lower monthly payments.

Anderson

Not giving up made my dreams come true

I believe that the essential is never give up. I wanted and got another car right at the beginning of my club. Now I believe that we should not give up on our dreams.

Eula Paula Pires

I got my first truck thanks to savings.club

Through a savings.club, I made the dream of the first truck come true. I’m very grateful to SavingsClub for all the support. Thank you very much!

Cristiano Saugo

You can budget better with the

Half Payment plan

How do half payments work?

1 Choose half payments

2 Keep up with payments

3 Finish with full payments