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Spread the cost of your golf membership.

Pay for your annual club membership in instalments instead of one lump sum.

Check your club

Subject to status and affordability. Membership eligibility criteria apply.

Representative APR 11.6% Fixed, subject to status
Repay over
3 to 12 months
Early repayment fees
None
Loan protection insurance
FreeSubject to eligibility and policy terms

Representative example: Borrow £500 over 12 months at 11.6% APR representative (fixed). 12 monthly repayments of £44.20. Total amount repayable £530.40. At least 51% of approved customers receive the representative APR or lower.

What would it cost each month?

Fill in the two gaps below.

My membership costs and I'd like to spread it over .

Any amount from £50 to £3,500, over 3 to 12 months.

You'd pay about
£ 44 a month
  • Number of payments12
  • Interest (estimated)£30
  • Total repayable£530

Representative 11.6% APR (fixed)

Illustrative estimates only and do not constitute an offer of credit. Figures are rounded to the nearest pound, so totals may not exactly equal monthly repayment × term. Exact amounts appear on your loan agreement. Your actual rate may vary. Missing payments could increase the total amount payable and may affect your credit file.

Is your club taking part?

Golfer membership finance is available at clubs across Scotland. Search for your club to check whether you can spread the cost of your membership.

    Can't see your club? It may not offer membership finance yet. Ask your club to get in touch with Scottish Golf to opt in, and they can start offering it to members.

    A preferred finance supplier to Scottish Golf. See Scottish Golf's page

    How it works

    Spreading the cost of your membership takes a few minutes. New and existing members are both welcome.

    1. 1

      Check your club

      Use the search above to confirm your club offers golfer membership finance.

    2. 2

      Apply with Capital

      Apply online in a few minutes. New members can join and apply at the same time.

    3. 3

      We review it

      We assess affordability like any responsible lender and come back with a clear decision.

    4. 4

      Club paid, you're a member

      Once approved, we pay your club and you repay us in regular instalments by direct debit.

    If you might miss a payment

    If you think you may miss a payment, please contact us as early as possible and we will do our best to help. Please note that if two consecutive payments are missed, your golf club membership may be placed on hold and your playing rights suspended until the account is brought up to date.

    Step-by-step guides

    Want a hand applying? Our guides walk you through each step.

    New to Capital Join and apply together Already a member Apply in online banking

    Common questions

    These FAQs relate specifically to golfer membership finance. For general questions about membership and repayments, visit our full loans FAQ.

    View all loan FAQs
    Yes, as long as your club is one of our participating clubs and you are a member of Capital Credit Union or eligible to join. Use the club search above to check your club, then apply online. We assess affordability like any responsible lender. Membership eligibility criteria apply.
    You can spread the cost of your membership over 3 to 12 months. The amount you can borrow is based on the price of your membership and our affordability assessment.
    There are no early repayment fees, so you can repay early or make overpayments at no extra cost. The rate you are quoted is the complete cost of your loan.
    Loan protection insurance is included with your membership at no extra cost. If you pass away, the outstanding balance on your loan may be cleared. This is subject to eligibility and policy terms. View full details.
    For help with your loan, application, repayments or membership, our team is happy to help. Visit our contact page or browse the help centre. For anything about your club membership itself, contact your golf club directly.

    Represent a golf club? If you want to offer membership finance to your members, we can help you get set up.

    Golf club partnerships