{ "version": "https://jsonfeed.org/version/1.1", "title": "Savings.Club", "home_page_url": "https://savings.club", "feed_url": "https://savings.club/feed.json", "description": "Updates from Savings.Club: blog articles, Q&A landings, and landmark page changes for the US-market consortium savings platform.", "icon": "https://savings.club/og/default.webp", "favicon": "https://savings.club/favicon.ico", "language": "en-US", "authors": [ { "name": "Savings.Club", "url": "https://savings.club" } ], "items": [ { "id": "https://savings.club/blog/flat-fee-financing-explained", "url": "https://savings.club/blog/flat-fee-financing-explained", "title": "Flat Fee Financing Explained: How It Works and Why It Saves You Thousands", "summary": "Understand flat fee financing in plain English. Learn how a one-time flat fee replaces compound interest, how your monthly payments are calculated, and why this model costs less than traditional loans for every credit profile.", "content_text": "Flat fee financing replaces compound interest with a single, transparent fee. Here is exactly how it works, how your payments are calculated, and why it costs less at every credit tier.", "date_published": "2025-12-01T00:00:00.000Z", "date_modified": "2026-03-01T00:00:00.000Z", "authors": [ { "name": "Savings.Club Research Team" } ], "tags": [ "education", "beginner" ] }, { "id": "https://savings.club/blog/savings-club-vs-bank-loan", "url": "https://savings.club/blog/savings-club-vs-bank-loan", "title": "Savings Club vs. Bank Loan: The Complete Comparison", "summary": "Compare savings clubs to traditional bank loans side by side. Learn how flat fee financing works, why over a billion people worldwide use savings clubs, and how much you could save on your next vehicle or home.", "content_text": "The average American pays $35,000 in interest on a $45,000 car. Over a billion people worldwide have found a better way. Here is the complete comparison between savings clubs and traditional bank loans.", "date_published": "2025-11-15T00:00:00.000Z", "date_modified": "2026-03-01T00:00:00.000Z", "authors": [ { "name": "Savings.Club Research Team" } ], "tags": [ "comparison", "beginner" ] }, { "id": "https://savings.club/blog/history-of-savings-clubs", "url": "https://savings.club/blog/history-of-savings-clubs", "title": "The 200-Year History of Savings Clubs: From Christmas Clubs to Consorcio", "summary": "Trace the 200-year history of savings clubs from American Christmas Clubs to Brazilian consorcios to German Bausparkassen. Learn how this model spread to 90+ countries and why it is finally returning to the United States.", "content_text": "Savings clubs were invented in America over 200 years ago. They spread to 90+ countries and now serve over a billion people. Here is the full history of how cooperative financing changed the world.", "date_published": "2025-09-20T00:00:00.000Z", "date_modified": "2026-02-15T00:00:00.000Z", "authors": [ { "name": "Savings.Club Research Team" } ], "tags": [ "industry", "intermediate" ] }, { "id": "https://savings.club/blog/buy-car-without-credit-check", "url": "https://savings.club/blog/buy-car-without-credit-check", "title": "How to Buy a Car Without a Credit Check in 2026", "summary": "Learn how to buy a car without a credit check using a savings club. No credit score required, no hard inquiry, flat fee financing, and lower monthly payments than traditional auto loans at any credit tier.", "content_text": "Your credit score should not determine whether you can own a car. Savings clubs accept all credit profiles and use a Savings Score instead. Here is how to get a vehicle without a credit check in 2026.", "date_published": "2025-08-10T00:00:00.000Z", "date_modified": "2026-03-15T00:00:00.000Z", "authors": [ { "name": "Savings.Club Consumer Team" } ], "tags": [ "guide", "beginner" ] }, { "id": "https://savings.club/blog/why-banks-charge-interest-and-what-to-do-about-it", "url": "https://savings.club/blog/why-banks-charge-interest-and-what-to-do-about-it", "title": "Why Banks Charge You Interest (And What You Can Do About It)", "summary": "Understand why banks charge compound interest, how much it really costs you over a lifetime, and the alternative financial models that eliminate interest entirely. Learn how savings clubs replace bank profits with member savings.", "content_text": "The average American household pays over $130,000 in interest charges during their lifetime. Here is why banks charge interest, how compound interest works against you, and the alternatives that exist.", "date_published": "2025-07-05T00:00:00.000Z", "date_modified": "2026-02-20T00:00:00.000Z", "authors": [ { "name": "Savings.Club Research Team" } ], "tags": [ "education", "advanced" ] }, { "id": "https://savings.club/blog/commercial-real-estate-financing-without-bank", "url": "https://savings.club/blog/commercial-real-estate-financing-without-bank", "title": "How to Finance Commercial Real Estate Without a Bank in 2026", "summary": "Finance commercial property without a bank loan. No DSCR requirements, no balloon payments, no prepayment penalties. Learn how savings clubs are changing commercial real estate financing with flat fee structures.", "content_text": "Traditional commercial real estate financing is designed to benefit the bank, not the buyer. DSCR requirements, balloon payments, and variable rates create risk for property owners. Here is how savings clubs offer a fundamentally different approach.", "date_published": "2025-06-01T00:00:00.000Z", "date_modified": "2026-03-10T00:00:00.000Z", "authors": [ { "name": "Savings.Club Consumer Team" } ], "tags": [ "guide", "intermediate" ] }, { "id": "https://savings.club/", "url": "https://savings.club/", "title": "Home", "summary": "Save up to 50% on cars, homes, robots, aircraft, and equipment. Savings Club replaces bank loans with a flat fee. No credit check required, all credit profiles accepted. Same model used by 30 million Germans and 13 million Brazilians.", "content_text": "Save up to 50% on cars, homes, robots, aircraft, and equipment. Savings Club replaces bank loans with a flat fee. No credit check required, all credit profiles accepted. Same model used by 30 million Germans and 13 million Brazilians.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "home" ] }, { "id": "https://savings.club/vehicles", "url": "https://savings.club/vehicles", "title": "Vehicles", "summary": "Finance any vehicle with a flat fee instead of interest. No credit check required, monthly dues only, choose any dealer and all manufacturers. Save thousands compared to traditional auto loans. 25 million Germans and 13 million Brazilians already use this model.", "content_text": "Finance any vehicle with a flat fee instead of interest. No credit check required, monthly dues only, choose any dealer and all manufacturers. Save thousands compared to traditional auto loans. 25 million Germans and 13 million Brazilians already use this model.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "vehicles" ] }, { "id": "https://savings.club/commercial-real-estate", "url": "https://savings.club/commercial-real-estate", "title": "Commercial Real Estate", "summary": "Finance commercial real estate with a flat fee instead of interest. Monthly dues only, no balloon payments, no DSCR requirements. Every payment builds equity. Office, retail, warehouse, multi-family, farms, and more.", "content_text": "Finance commercial real estate with a flat fee instead of interest. Monthly dues only, no balloon payments, no DSCR requirements. Every payment builds equity. Office, retail, warehouse, multi-family, farms, and more.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "commercialRealEstate" ] }, { "id": "https://savings.club/robotics", "url": "https://savings.club/robotics", "title": "Robotics", "summary": "Robotaxis, humanoid robots, and autonomous trucks are entering production. Start building equity toward ownership now. Flat fee, flat fee, all credit profiles accepted. Finance the future today.", "content_text": "Robotaxis, humanoid robots, and autonomous trucks are entering production. Start building equity toward ownership now. Flat fee, flat fee, all credit profiles accepted. Finance the future today.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "robotsBusiness" ] }, { "id": "https://savings.club/personal-robots", "url": "https://savings.club/personal-robots", "title": "Personal Robots", "summary": "Own your first personal robot. Self-driving cars, home assistants, elder care robots. Flat fee, flat fee, all credit profiles accepted. Start building equity today toward the future of personal technology.", "content_text": "Own your first personal robot. Self-driving cars, home assistants, elder care robots. Flat fee, flat fee, all credit profiles accepted. Start building equity today toward the future of personal technology.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "robotsPersonal" ] }, { "id": "https://savings.club/how-it-works", "url": "https://savings.club/how-it-works", "title": "How It Works", "summary": "Learn how savings clubs work in 5 simple steps. Join a pool, contribute monthly, get selected by Savings Score, and buy your asset with a flat fee. No bank loans, flat fee, no credit check required.", "content_text": "Learn how savings clubs work in 5 simple steps. Join a pool, contribute monthly, get selected by Savings Score, and buy your asset with a flat fee. No bank loans, flat fee, no credit check required.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "howItWorks" ] }, { "id": "https://savings.club/faq", "url": "https://savings.club/faq", "title": "FAQ", "summary": "Get answers to the most common questions about savings clubs. How they work, what they cost, how your money is protected, credit requirements, flexibility, legal structure, and comparisons to traditional financing.", "content_text": "Get answers to the most common questions about savings clubs. How they work, what they cost, how your money is protected, credit requirements, flexibility, legal structure, and comparisons to traditional financing.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "faq" ] }, { "id": "https://savings.club/calculator", "url": "https://savings.club/calculator", "title": "Calculator", "summary": "Calculate exactly how much you save with a savings club compared to a traditional bank loan. Enter your asset value, interest rate, and term to see the difference. Interactive comparison tool.", "content_text": "Calculate exactly how much you save with a savings club compared to a traditional bank loan. Enter your asset value, interest rate, and term to see the difference. Interactive comparison tool.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "calculator" ] }, { "id": "https://savings.club/trust", "url": "https://savings.club/trust", "title": "Trust Center", "summary": "Your funds are held in trust by FDIC insurance, held in an irrevocable trust at US Bank, and managed by an independent trustee (Jackson Hole Trust Company). Learn about the safety and transparency of savings clubs.", "content_text": "Your funds are held in trust by FDIC insurance, held in an irrevocable trust at US Bank, and managed by an independent trustee (Jackson Hole Trust Company). Learn about the safety and transparency of savings clubs.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "trust" ] }, { "id": "https://savings.club/join", "url": "https://savings.club/join", "title": "Join", "summary": "Join a savings club and start financing your next vehicle, property, or equipment with a flat fee instead of interest. No credit check required. All credit profiles accepted. Monthly dues only.", "content_text": "Join a savings club and start financing your next vehicle, property, or equipment with a flat fee instead of interest. No credit check required. All credit profiles accepted. Monthly dues only.", "date_published": "2026-06-26T22:51:50.461Z", "date_modified": "2026-06-26T22:51:50.461Z", "tags": [ "page", "join" ] } ] }