VEHICLES
With a savings club, every dollar you pay goes toward owning your vehicle. No interest charges, monthly dues only, all credit profiles accepted. By comparison, the average American pays $782/month for a new car loan, and nearly a third of trade-ins are underwater.
25 million Germans, 13 million Brazilians, and over a billion people in 90+ countries already use this model to buy vehicles.
Savings.Club is America's first.
Source: Edmunds Q4 2025, Experian State of Auto Finance Q3 2025
$0
Interest charges
100%
Goes toward your vehicle
1B+
People use this model in 90+ countries, including 25M in Germany
Finance any car, truck, SUV, or motorcycle. All manufacturers of street-legal vehicles. New or used. Any dealer.
These brands offer flat-fee savings clubs to 30 million Germans and Austrians, 13 million Brazilians, and millions more across Latin America. But they charge Americans 7 to 12%+ APR. Why?
$0/mo
Average new car payment in America
$0+
Monthly payments for 1 in 5 buyers
0%
Of trade-ins that are underwater
$0K+
In interest charges on a $45K car (traditional)
When you get a car loan, the bank charges you extra money every single day. Most of your monthly payment goes to the bank, not toward your car. You spend years making payments and barely own any of it.
Average credit buyer
$35,000+
On a $45,000 car, someone with average credit ends up paying over $35,000 in extra charges to the bank. That is like buying two cars, one for you and another for the bank. You only get to drive one of them.
Even perfect credit
Thousands more
Even someone with perfect credit pays thousands more than the car is worth. The bank gets money cheap and charges you a lot more. The difference goes straight into their pocket.
Savings.Club replaces all of that with one simple flat fee. You know exactly what you will pay before you join. It never goes up. No surprises.
Same vehicle. Same buyer. See what you save over the life of the purchase.
Credit score range: 300-500
Savings.Club
$609/mo
Traditional Loan
$952/mo
You Save
$343/mo
Savings.Club is cheaper at every single credit tier. No exceptions.
These are real monthly payment comparisons. Not projections. Not estimates.
No hidden fees. No fine print. No surprises. Here's exactly what you get when you join.
All manufacturers of street-legal vehicles. New or used. Sedan, pickup, SUV, crossover, van, motorcycle. If it has wheels and a title, you can acquire it through your club.
There are no preferred dealer networks, no markups, and no restrictions. You find the deal. You negotiate the price. We fund it. Private sales accepted when intermediated by a dealer.
Your total cost is calculated before you join and it never changes. No variable rates. No daily accrual. No interest charges. The number you see is the number you pay.
Start contributing monthly from day one. No lump sum upfront. No 10 to 20% barrier to entry. The system is designed so that anyone can participate.
Your priority is based on your Savings Score, a metric you control through your own actions. Every credit profile is welcome.
See your position, your Savings Score, your club members, and your progress in real-time through the app. Full transparency. No black boxes.
Bring your bank's best offer. Any bank, any credit union, any lender. If they can offer a lower monthly payment on the same vehicle, we will pay your first month.
Comparison based on standard market APR rates. Excludes manufacturer-subsidized 0% APR promotions, employee pricing programs, loyalty incentives, and limited-time promotional rates on specific models. These are loss-leader offers not available to most buyers.
These brands already use this system in Germany, Brazil, and dozens of other countries. Savings.Club finances them all in the United States.
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Started the first manufacturer savings club in Brazil in 1967. 57 years of flat-fee financing. Ford chooses not to offer this to Americans. Savings.Club finances Ford vehicles here.
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600K+ members in Brazil. ChevyPlan in Colombia since 1962. GM chooses to offer flat-fee financing there, but not to Americans. Savings.Club finances GM vehicles here.
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Jeep, Fiat, Peugeot, Citroen, all under one flat-fee savings club umbrella in Latin America. Stellantis chooses not to offer this to Americans. Savings.Club finances Stellantis vehicles here.
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Offers savings clubs in Brazil and Argentina. Same cars, different deal. Toyota chooses not to offer this to Americans. Savings.Club finances Toyota vehicles here.
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6 million customers since 1981. 43+ years of flat-fee vehicle financing in Brazil. Honda chooses not to offer this to Americans. Savings.Club finances Honda vehicles here.
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#1 automaker in Mexico. Operates SICREA savings club financing there. Nissan chooses not to offer this to Americans. Savings.Club finances Nissan vehicles here.
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Offers savings club programs for commercial vehicles in Argentina. Mercedes chooses not to offer this to Americans. Savings.Club finances Mercedes vehicles here.
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One of the largest savings club administrators in Brazil. Millions of members. Flat fee, flat fee. VW chooses not to offer this to Americans. Savings.Club finances VW vehicles here.
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Offers savings club financing in Brazil with a flat fee. In America, BMW charges 5.49% APR. Same cars, same company. Savings.Club finances BMW vehicles here.
Security
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Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
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Jackson Hole Trust Company, a licensed fiduciary with a legal obligation to protect your money. They execute fund transactions under the direction of Savings.Club, but only under the terms of the membership agreement.
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The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
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Join, review everything, and if it is not for you, cancel within 7 days for a full refund. No questions asked.
With traditional financing, miss a payment and you risk repossession. With Savings.Club, you have options that no bank offers. During the savings phase, before you receive your vehicle:
Switch to half-payments if your budget gets tight. Your Savings Score adjusts, but you stay in the club and keep your position.
Pause your contributions entirely if life changes unexpectedly. Job loss, medical emergency, family situation. Your membership stays active. Resume when you are ready. No penalties.
Transfer your membership to someone else. Convert to a different asset type. Or simply exit. Your money is in trust. You have options.
Available during the savings phase, before your voucher is awarded. After your voucher is awarded and you enter the borrowing phase, standard obligations apply, but we work hard with every member to find solutions.
Fleet Operators
Car rental operators, ride-share businesses, delivery fleets, and commercial operators are using Savings.Club to acquire vehicles at a fraction of the cost. Whether you are building a new fleet, upgrading an existing one, or replacing expensive fleet financing, the math is devastating for anyone still using bank rates.
Acquire as many simultaneous savings club memberships as you need. Each membership finances one vehicle. Scale your fleet on your timeline.
Replace aging vehicles one at a time without disrupting operations. New memberships run alongside existing ones. Upgrade without the bank's permission.
Already financing through a bank? Transition to Savings.Club and cut your monthly costs across every vehicle. The savings compound with every unit.
Own your fleet outright? Use your vehicles as collateral to access capital through Savings.Club. Put that cash back into your business.
From refinancing at a fraction of the cost to building entire fleets, our members are already seeing the difference.
"I was paying $560 a month on my car. I joined a club, contributed for a few months, got my voucher, and refinanced. Now I pay $150 a month for the same car. Same car. Same me. $410 less every single month."
"I run a car rental business in Orlando through Allycar.com. I acquired 10 clubs to grow my fleet. Already got my first voucher and I am financing vehicles for 40-60% less than anyone else in the industry. My competitors are paying bank rates. I am not. The ROI difference is night and day."
"Once I understood how the game is played, I focused on what I could control. I optimized my Savings Score, kept my risk low, and watched my rank climb week after week. I got my voucher faster than I expected."
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The Math Doesn't Lie
Real numbers. No tricks. See exactly what you save with each option.
Example: $45,000 vehicle
| Aspect | Traditional Loan | Savings Club |
|---|---|---|
| Interest / Fee | 6.84% APR (avg.) accruing daily | Flat fee (one-time, never accrues) |
| Monthly Payment | $551-$895/mo (credit-dependent) | $516-$609/mo (always lower) |
| Credit Check Required | Yes (hard inquiry, can be denied) | No |
| Down Payment | 10-20% typical ($4,500-$9,000) | Monthly dues only |
| Cash Upfront Needed | $4,500-$9,000+ (down + junk fees) | Monthly dues only |
| Flexibility if You Lose Your Job | Repossession risk | Freeze, half-pay, or transfer (savings phase) |
| Affects Debt-to-Income Ratio | Yes | No (savings phase) |
| Early Payoff Penalty | Varies by lender | None |
| Funds Protected by Trust | No | Yes (FDIC-insured) |
Savings Club members pay less per month than traditional financing for the same credit tier, with monthly dues only, all credit profiles accepted.
Everything you need to know about vehicle savings clubs.
Any car, truck, SUV, or motorcycle from any manufacturer. New or used, flat fee, all credit profiles accepted, monthly dues only.
Pick your vehicle price range, tell us about yourself, and get started in under 5 minutes. All credit profiles accepted.
See exactly how vehicle savings clubs work, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
Operating in TX, FL, MA, CT. Other states coming soon.
12-attribute decision framework, side-by-side.
Definitive math reference. Real numbers across 5 scenarios.
Amortization, dealer markups, GAP, upside-down windows.
Scale a fleet without bank fleet limits or DTI ceilings.
No credit pull, no FICO threshold, no bureau reporting.
Scale beyond 3-5 vehicle bank-loan caps.
BHPH lot economics + your alternatives.
What state law gives you when behind on payments.
70 buyer archetypes β find which describe you.