No credit pull, ever.
No hard inquiry. No soft inquiry. No effect on your credit profile.
No credit score required
Acquire what you need. Without a credit score.
No credit pull, no credit history requirement, no FICO threshold, no credit bureau reporting. Your eligibility for a Savings.Club voucher is based on your savings discipline — not on a number assigned to you by a bureau.
See My Buying PowerNo history required.
New to the U.S.? No credit file? Thin credit? All equally welcome.
No FICO threshold.
Members with low scores have the same access as members with high scores.
Not on your credit report.
Savings clubs do not appear on credit reports — neither positively nor negatively.
How can this work without a credit check?
A savings club is not a loan. There is no money loaned to you that needs to be underwritten. You contribute to a pooled fund alongside other members; on a predictable cadence, members receive purchasing vouchers for the full value of the asset.
What needs to be verified is your savings discipline — that you contribute on time and in full. The Savings Score model handles that based on contribution behavior, not credit history.
Common questions.
Will joining affect my credit score?
No. There is no credit pull at any point — to join, to receive a voucher, or to acquire your asset. Your credit score is never affected by Savings.Club participation.
What if I have no credit history at all?
No credit history is fine. The savings-club model does not require a credit file because there is no loan being underwritten. Your savings discipline is what counts.
What if I have a low credit score (or "bad credit")?
Same answer — credit score is not used. Members with low credit scores are equally welcome and have the same access to vouchers as members with high scores.
Will I be reported to credit bureaus?
No. Savings clubs are not loans, so they do not appear on your credit report — neither positively nor negatively. Your credit profile is unaffected.
Is this a way to "rebuild credit"?
No, and we do not market it that way. Savings.Club is a way to acquire assets without credit-based financing, not a credit-rebuilding tool. If credit-building is what you need, talk to a credit counselor.
Ready to see what you qualify for?
Run the calculator with your asset value or talk to a Savings Expert.