REFINANCE DIAGNOSTIC

Are you overpaying on your current loan?

Enter your current loan details and see how much you could save by switching to a savings club.

This tool provides estimates for educational purposes only. Actual savings depend on your specific situation, credit profile, and club terms. The flat fee used is the maximum rate of 9.9% EAPR. your actual rate may be lower.

YOUR CURRENT LOAN

Enter your loan details

Remaining Loan Balance ($)

Monthly Payment ($)

Current APR (%)

Remaining Months

THE PROCESS

How savings club refinancing works

Run the diagnostic

Enter your current loan details above to see your potential savings.

Talk to an advisor

Connect with a Savings.Club advisor who will review your specific situation and provide personalized guidance.

Join a savings club

If the numbers work, join a savings club matched to your asset value. Your contributions begin immediately.

Receive your award

When your Savings Score qualifies you, receive a purchasing voucher to pay off your existing loan or acquire a replacement asset.

Disclosures & Footnotes

About Savings.Club
Savings.Club is a brand name of Savings Club Financing Technologies, LLC. Savings.Club is a fintech company, not a bank. Savings.Club does not accept deposits. Member common fund contributions are held in a trust overseen by Jackson Hole Trust Company, a licensed fiduciary, with accounts held at US Bank, an FDIC-insured institution. FDIC insurance covers member funds in the trust up to applicable limits. Savings.Club cannot access, redirect, or use trust funds for any purpose other than member benefit.
Flat Fee Structure
Savings.Club charges a flat administrative fee, not interest. The fee is calculated once at the time of membership, disclosed upfront, and never changes. It does not accrue daily on your principal. The flat fee varies by financial profile and product category. Membership does not guarantee a specific timeline for asset award.
Savings Comparisons
All savings comparisons on this website are based on published average rates by credit tier and standard amortization calculations using data from the Federal Reserve, Experian State of Auto Finance reports, Freddie Mac Primary Mortgage Market Survey, and other public sources. Individual results may vary based on credit profile, asset selection, and market conditions.
Savings Score & Selection
The Savings Score is a proprietary, patent-pending metric developed by Savings.Club. Members are assessed monthly on the 15th. Selection is based on Savings Score ranking within your club. Savings.Club does not guarantee a specific timeline for receiving a purchasing voucher.
Credit Check Optional
All credit profiles accepted is required to join a savings club. You may optionally provide your credit score to improve your Savings Score ranking, but it is never mandatory. Savings.Club does not perform hard credit inquiries as part of the membership process.
Flexibility During Savings Phase
During the savings phase (before your purchasing voucher is awarded), you may switch to half-payments, freeze your contributions, or transfer your membership to another person. After your purchasing voucher is awarded, standard obligations apply.
Global System References
References to the global savings club system describe the general cooperative purchasing model documented in over 90 countries worldwide, with verifiable institutional programs in 37 countries. Historical references to 800+ years describe the documented history of cooperative savings clubs globally.
Not Financial Advice
The information on this website is provided for educational and informational purposes only and does not constitute financial, investment, legal, or tax advice. Please consult a qualified financial advisor, attorney, or tax professional before making significant financial commitments.
Patent-Pending Technology
ROTEX AI and the Savings Score system are patent-pending technologies developed by Savings.Club. Patent application(s) have been filed with the United States Patent and Trademark Office.
Compliance Program
Savings.Club maintains policies and procedures to address key federal and state regulations, including TILA/Regulation Z, BSA/AML/KYC, and ECOA fair lending principles. Savings.Club currently operates in TX, FL, MA, and CT.

For complete legal documentation, visit our Legal Hub, Disclosures, or Consumer Protection pages.

Are you overpaying on your current loan?

Enter your loan details

How savings club refinancing works

Run the diagnostic

Talk to an advisor

Join a savings club

Receive your award

Dig deeper

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How mortgages actually work

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