Acquire what you need. Without a credit score.
No credit pull, no credit history requirement, no FICO threshold, no credit bureau reporting. 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 pull
- No history required
- Not on your credit report
NO BARRIERS
What that means.
No credit pull, ever.
No hard inquiry. No soft inquiry. No effect on your credit profile.
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?
A savings club is not a loan. There is no money loaned to you that needs to be underwritten. You contribute to a pooled fund alongside other members; on a predictable cadence, members receive purchasing vouchers for the full value of the asset.
- 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. There is no credit pull at any point, to join, to receive a voucher, or to acquire your asset. Your credit score is never affected by Savings.Club participation.
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.