Savings.Club is the United States implementation of the global purchasing-consortium model: known as consórcio in Brazil, consorcio across Latin America, Bausparkasse in Germany, tanda in Mexico, chit fund in India, and 會 (hui) in the Chinese diaspora. Academically classified as a Rotating Savings and Credit Association (ROSCA). A flat-fee alternative to bank loans for vehicles, commercial real estate, robots, aircraft, and equipment.

Skip to main content

See the real cost

Adjust the numbers. Watch what happens.

$35,000
$5,000$500,000
9.7%
6.5% (super-prime)22% (subprime)
Bank total cost$50,489
Bank monthly$526/mo
Interest paid to bank$15,489
Savings Club total$38,500
Club monthly$401/mo
You Save
$11,989
10% flat fee vs 9.72% APR compound interest

Dig deeper into the math

EAPR vs APR vs Membership Fee

The definitive reference. Real math across 5 scenarios.

Compound interest, explained honestly

Why the rate on the page isn't the rate you actually pay.

Voucher vs Loan vs Lease

12-attribute decision framework, side-by-side.

How it works

End-to-end mechanics of a savings club.

We use cookies for analytics and (with your consent) ad measurement so we can keep improving Savings.Club. Privacy policy.