We exist because Americans deserve better than compound interest.
Savings.Club is America's savings club, built on the world's most proven cooperative financing model. No banks. Flat fee instead of compound interest. No debt. Just people saving together to buy what they need.
$17,643
stays in your pocket on a $35,000 car
OUR IMPACT
6
Asset categories
4
US states operating
30 to 50%
Average savings vs. traditional
$0
Down payment required
Savings estimates based on published market APR rates. Actual savings vary by asset type and member profile.
A PROVEN MODEL
The oldest idea in finance, new to America.
For decades our founders watched families abroad use savings clubs to buy their first car, their first home, their first piece of commercial equipment. It is the same cooperative system that hundreds of millions of people rely on worldwide. We built Savings.Club to finally bring it here.
Fund
OUR JOURNEY
From insight to impact.
- 2019
The Insight.
Our founders, with decades of experience in savings clubs (the $300B+ cooperative financing system used by 30 million Germans and Austrians, 13 million Brazilians, and hundreds of millions more worldwide), recognized that American consumers were paying 40 to 100% more than necessary through traditional lending.
- 2021
Savings.Club Founded.
Savings.Club was incorporated with a singular mission: bring transparent, flat-fee group purchasing to the United States. The founding team combined expertise in fintech, automotive distribution, and financial regulation.
- 2023
Vehicle Savings Clubs Launch.
The first vehicle savings clubs went live, proving that Americans would embrace a smarter way to own. Members began acquiring vehicles with a flat fee instead of interest.
- 2024
Multi-Asset Expansion.
Savings.Club expanded beyond vehicles into commercial real estate, residential real estate, robotics, aircraft, and heavy equipment, making the savings club model available for virtually any high-value asset.
- 2025
AI-Powered Operations.
Integration of AI-driven administration and risk management systems, reducing operational costs and enabling faster asset award for members. The Inner Circle advisor network expanded nationwide.
- 2026
Scaling Nationwide.
With thousands of members across multiple asset classes, Savings.Club is proving that cooperative financing is not just an alternative. It is the future of how Americans acquire high-value assets.
OUR VALUES
What we stand for.
Radical Transparency
You know your total cost before you join. No hidden fees, no compounding interest, no surprises buried in fine print. If we cannot explain it simply, we do not do it.
Equal Access
Your credit score does not define your worth. We believe everyone deserves access to fair financing, regardless of their credit history. All credit profiles accepted.
Member-First
Every decision we make is measured against one question: does this help our members? Our flat-fee model means we succeed when our members succeed.
Truthfulness
We do not use fake testimonials, fabricated urgency, or deceptive marketing. Our product speaks for itself. When we make a claim, we can back it up with math.
REGULATORY COMPLIANCE
Built on a foundation of consumer protection.
Savings.Club operates in compliance with applicable federal consumer protection laws. While no specific “savings club license” exists in the United States, aspects of our product are regulated by these federal bodies and statutes.
CFPB
Consumer Financial Protection Bureau
Our practices align with CFPB guidelines for transparent consumer financial products.
FTC
Federal Trade Commission
All marketing and disclosures comply with FTC Act Section 5 truthfulness requirements.
UDAAP
Unfair, Deceptive, or Abusive Acts
We follow UDAAP principles under the Dodd-Frank Act. No unfair, deceptive, or abusive practices.
TILA
Truth in Lending Act
Our flat-fee model provides TILA-aligned transparency. You know your total cost upfront.
ECOA
Equal Credit Opportunity Act
All credit profiles accepted means inherent alignment with equal access principles.
GLBA
Gramm-Leach-Bliley Act
Member financial data is protected under federal privacy standards. We never sell your information.
EFTA
Electronic Fund Transfer Act
All electronic payments processed in compliance with Regulation E consumer protections.
FCRA
Fair Credit Reporting Act
We do not pull credit reports. Your credit score is never affected by joining a savings club.
Savings.Club is a savings club administrator operated by Savings Club Financing Technologies, LLC. We extend credit through our savings club structure and make lending decisions based on underwriting. Our flat-fee model replaces interest charges with a transparent flat fee. For questions about our compliance practices, contact compliance@savings.club.
Ready to stop paying interest?
Join thousands of Americans who are choosing a smarter way to own.
Available in TX, FL, MA, and CT.