Acquire what you need. Without a credit score.
No credit check to join. No credit history requirement, no FICO threshold to join. Your eligibility for a Savings.Club voucher is based on your savings discipline, not on a number assigned to you by a bureau.
- No credit check to join
- No history required
- Not on your credit report
NO BARRIERS
What that means.
No credit check to join.
No hard inquiry, no soft inquiry to join. A credit check may apply later, case by case, when you use your voucher.
No history required.
New to the U.S.? No credit file? Thin credit? All equally welcome.
No FICO threshold.
Members with low scores have the same access as members with high scores.
Not on your credit report.
Savings clubs do not appear on credit reports, neither positively nor negatively.
HOW IT WORKS
How can this work without a credit check?
No credit check to join. When you use your voucher, we look at how you've paid, your history in the club and other information you give us or we can find. A credit check is one tool we may use, case by case. You contribute to a pooled fund alongside other members; on a predictable cadence, members receive purchasing vouchers for the full value of the asset. When you use your voucher, it becomes a loan. You repay it with no interest and a flat fee.
- You contribute to a pooled fund alongside other members.
- On a predictable cadence, members receive purchasing vouchers for the full value of the asset.
- The Savings Score model verifies your savings discipline based on contribution behavior, not credit history.
QUESTIONS
Common questions.
No credit check to join. When you use your voucher, we may check how you've paid, your history in the club and other information you give us or we can find; a credit check is one tool we may use, case by case.
Ready to see what you qualify for?
Run the calculator with your asset value or contact our team.
Available in TX, FL, MA, and CT.