How much do I pay per month?

Your monthly contribution depends on your club's price tier. For example, a $40,000 vehicle savings club starts at around $541 per month. You know the exact amount before you join, and it never changes. No variable rates. No daily accrual. No surprises. Same rates for new or used vehicles.

How long until I get my car?

Your timeline depends on your Savings Score, which you control through on-time payments, advance contributions, and participation. Members are assessed monthly on the 15th through our patent-pending scoring system. Those at the top of the ranking receive their Purchasing Voucher that month. Some members get selected in 3 to 6 months. Others take 12 to 18 months. You can actively accelerate your voucher by increasing your Savings Score. Monitor your progress in real-time through the app.

What happens after I get my car?

You receive a Purchasing Voucher and use it to buy your vehicle from any dealer. The title goes in your name, and we secure the asset with a lien to protect all club members. You then continue contributing monthly to fulfill your club obligation. During this borrowing phase, standard obligations apply, similar to any financing arrangement.

What if I cannot make a payment?

During the savings phase (before your voucher is awarded), you have options that no bank offers. You can switch to half-payments, freeze your contributions entirely, or transfer your membership to someone else. After your voucher is awarded and you enter the borrowing phase, standard obligations apply, but we work hard with every member to find a workable solution if difficulty arises.

Is this available in my state?

We are currently operating in TX, FL, MA, and CT. Other states are coming soon. We also support residents of other countries looking to purchase vehicles in the USA.

VEHICLES

Own your next car. Pay a flat fee.

Q: Do I need a down payment?

No. You start contributing monthly from day one. No lump sum upfront. No 10 to 20% barrier to entry.

Q: What if I find a cheaper deal at a bank?

Bring it. We dare you. If any bank, credit union, or lender can offer a lower monthly payment on the same vehicle, we will pay your first month. Excludes manufacturer-subsidized 0% financing promotions on specific models.

With a savings club, every dollar you pay goes toward owning your vehicle. No interest charges, monthly dues only, all credit profiles accepted. By comparison, the average American pays $782/month for a new car loan, and nearly a third of trade-ins are underwater.

See my buying power

Patent-Pending Technology
7-Day Satisfaction Guarantee
Funds in Trust at US Bank, FDIC-Insured

A car bought through a vehicle savings club

YOUR BUYING POWER28% less

$17,643

stays in your pocket on a $35,000 car

Flat fee. No interest. You own it.

Interest charges

100%

Goes toward your vehicle

1B+

People, in 90+ countries

25 million Germans, 13 million Brazilians, and over a billion people in 90+ countries already use this model to buy vehicles. Savings.Club is America's first. Source: Edmunds Q4 2025, Experian State of Auto Finance Q3 2025.

SHOWCASE

Any car, truck, SUV, or motorcycle.

Finance any vehicle. All manufacturers of street-legal vehicles. New or used. Any dealer. The Weekend Warrior, the Daily Commuter, the Family Upgrade, the Luxury Move. You pick it, we fund it.

Ford F-150, the Weekend Warrior
Tesla Model Y, the Daily Commuter
Chevy Tahoe, the Family Upgrade
BMW, the Luxury Move

F-150

Model Y

Tahoe

BMW

There is a better way to finance your car.

When you get a car loan, the bank charges you extra money every single day. Most of your monthly payment goes to the bank, not toward your car. You spend years making payments and barely own any of it.

Average credit buyer

$35,000+

On a $45,000 car, someone with average credit ends up paying over $35,000 in extra charges to the bank. That is like buying two cars, one for you and another for the bank. You only get to drive one of them.

Even perfect credit

Thousands more

Even someone with perfect credit pays thousands more than the car is worth. The bank gets money cheap and charges you a lot more. The difference goes straight into their pocket.

Savings.Club replaces all of that with one simple flat fee. You know exactly what you will pay before you join. It never goes up. No surprises.

WHAT YOU SAVE, EVERY MONTH

Same vehicle. Same buyer.

See what you save every month, at every credit tier. Savings.Club is cheaper at every single credit tier. No exceptions.

	Traditional Loan	Savings.Club
Deep Subprime (300-500)	$952/mo	$609/mo
Subprime (501-600)	$952/mo	$586/mo
Near Prime (601-660)	$952/mo	$562/mo
Prime (661-780)	$952/mo	$539/mo
Super Prime (781-850)	$952/mo	$516/mo

These are real monthly payment comparisons. Not projections. Not estimates. You save $343 to $436 per month depending on your credit tier.

WHAT YOU GET

Everything a vehicle savings club includes.

No hidden fees. No fine print. No surprises. Here is exactly what you get when you join.

Any car, truck, SUV, or motorcycle.

All manufacturers of street-legal vehicles. New or used. Sedan, pickup, SUV, crossover, van, motorcycle. If it has wheels and a title, you can acquire it through your club.

Any dealership.

There are no preferred dealer networks, no markups, and no restrictions. You find the deal. You negotiate the price. We fund it. Private sales accepted when intermediated by a dealer.

Flat fee. Known from day one.

Your total cost is calculated before you join and it never changes. No variable rates. No daily accrual. No interest charges. The number you see is the number you pay.

Monthly dues only.

Start contributing monthly from day one. No lump sum upfront. No 10 to 20% barrier to entry. The system is designed so that anyone can participate.

All credit profiles accepted.

Your priority is based on your Savings Score, a metric you control through your own actions. Every credit profile is welcome.

Real-time tracking.

See your position, your Savings Score, your club members, and your progress in real-time through the app. Full transparency. No black boxes.

We dare you to find a better deal.

Bring your bank's best offer. Any bank, any credit union, any lender. If they can offer a lower monthly payment on the same vehicle, we will pay your first month.

Comparison based on standard market APR rates. Excludes manufacturer-subsidized 0% APR promotions, employee pricing programs, loyalty incentives, and limited-time promotional rates on specific models. These are loss-leader offers not available to most buyers.

The world's biggest auto brands already offer this.

These brands already use this system in Germany, Brazil, and dozens of other countries. Savings.Club finances them all in the United States.

The world already does this

These brands run flat-fee savings clubs for 30 million Germans, 13 million Brazilians, and a billion people across 90+ countries. In America, they charge you 7 to 12%+ APR instead. Why?

Started the first manufacturer savings club in Brazil in 1967. 57 years of flat-fee financing. Ford chooses not to offer this to Americans. Savings.Club finances Ford vehicles here.

600K+ members in Brazil. ChevyPlan in Colombia since 1962. GM chooses to offer flat-fee financing there, but not to Americans. Savings.Club finances GM vehicles here.

Jeep, Fiat, Peugeot, Citroen, all under one flat-fee savings club umbrella in Latin America. Stellantis chooses not to offer this to Americans. Savings.Club finances Stellantis vehicles here.

Offers savings clubs in Brazil and Argentina. Same cars, different deal. Toyota chooses not to offer this to Americans. Savings.Club finances Toyota vehicles here.

Honda

6 million customers since 1981. 43+ years of flat-fee vehicle financing in Brazil. Honda chooses not to offer this to Americans. Savings.Club finances Honda vehicles here.

#1 automaker in Mexico. Operates SICREA savings club financing there. Nissan chooses not to offer this to Americans. Savings.Club finances Nissan vehicles here.

Offers savings club programs for commercial vehicles in Argentina. Mercedes chooses not to offer this to Americans. Savings.Club finances Mercedes vehicles here.

One of the largest savings club administrators in Brazil. Millions of members. Flat fee, flat fee. VW chooses not to offer this to Americans. Savings.Club finances VW vehicles here.

Offers savings club financing in Brazil with a flat fee. In America, BMW charges 5.49% APR. Same cars, same company. Savings.Club finances BMW vehicles here.

FLEXIBILITY

Life happens. We built the system to handle it.

With traditional financing, miss a payment and you risk repossession. With Savings.Club, you have options that no bank offers. During the savings phase, before you receive your vehicle:

The Half-Pay Option. Switch to half-payments if your budget gets tight. Your Savings Score adjusts, but you stay in the club.
The Freeze Button. Pause your contributions entirely. Resume when you are ready. No penalties.
The Exit Door. Transfer your membership, convert to a different asset type, or simply exit. Your money is in trust.

Monthly paymentHalf payment active

$237/mo

was $474 a month

Back to full after your voucher.

THE MATH DOESN'T LIE

Auto Loan vs. Vehicle Savings Club

Real numbers. No tricks. Example: $45,000 vehicle.

	Traditional Loan	Savings Club
Interest / Fee	6.84% APR (avg.) accruing daily	Flat fee (one-time, never accrues)
Monthly Payment	$551-$895/mo (credit-dependent)	$516-$609/mo (always lower)
Credit Check Required	Yes (hard inquiry, can be denied)	No
Down Payment	10-20% typical ($4,500-$9,000)	Monthly dues only
Cash Upfront Needed	$4,500-$9,000+ (down + junk fees)	Monthly dues only
Flexibility if You Lose Your Job	Repossession risk	Freeze, half-pay, or transfer (savings phase)
Affects Debt-to-Income Ratio	Yes	No (savings phase)
Early Payoff Penalty	Varies by lender	None
Funds Protected by Trust	No	Yes (FDIC-insured)

Savings Club members pay less per month than traditional financing for the same credit tier, with monthly dues only, all credit profiles accepted.

QUESTIONS

Everything you need to know about vehicle savings clubs.

Yes. Any car, truck, SUV, or motorcycle from all manufacturers of street-legal vehicles. New or used. Any dealership. You find the deal you want. You negotiate the price. We fund it. There are no preferred dealer networks, no markups, and no restrictions on what you can buy within your club's price range.

Stop overpaying. Start owning.

Any car, truck, SUV, or motorcycle from any manufacturer. New or used, flat fee, all credit profiles accepted, monthly dues only.

See my buying power

Operating in TX, FL, MA, CT. Other states coming soon.