How Savings Club works
No banks. Flat fee instead of compound interest. No debt. Just people saving together to buy what they need.
You join a savings pool
A group of people who all want to buy the same type of asset. a car, a house, equipment. contribute monthly to a shared pool. Think of it as a group savings account with a purpose.
The pool grows every month
Every member contributes their monthly amount. The pool accumulates real money, held in FDIC-insured trust accounts. No bank is lending you anything. This is real savings from real people.
Members receive allocations
Each month, the pool has enough to purchase an asset for one or more members. Allocations happen through a combination of time in the pool and bidding. Early contributors can receive their asset before they've finished paying.
You get your asset
When it's your turn, Savings Club issues a voucher for the full purchase price. You buy your car, your house, your equipment. paid in full, no loan, flat fee. You continue your monthly contributions until the pool term ends.
You pay one flat fee
Instead of compound interest that grows over time, you pay a single flat fee of 10% on the asset price. On a $30,000 car, that's $3,000 total. compared to $13,000+ in bank interest over 6 years.
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The difference on a $30,000 car
Dig deeper
Savings Score factors
The complete ECOA-strict feature allowlist that powers voucher selection.
Accelerate your voucher
Five strategies to reach voucher eligibility on the faster end of the cycle.
Half-payment option
Structured cash-flow flexibility during the savings phase.
Your options as a member
Hold, use, sell, bridge, pause, renew, exit — membership as a portfolio of options.