• Private Club Membership Financing

    Made Simple!

  • Fringe Benefits

    Fringe Benefits

  • For Millions of Golfers Joining...

    a private golf club is a pivotal life decision – the fulfillment of an ambition to take your game, your career, and your lifestyle to the next level.

    It is also a major financial decision...

    one that is often rationalized by calculating the monetary benefits realized through enhanced business relationships and having a place the whole family can enjoy.

    Golf Club Membership Financing Options...

    You could wait several years to save the money you need, but then you would be missing out on the valuable returns of membership – business relationships, professional training to improve your game, the freedom to golf on a championship-caliber course whenever you want, a place for your family to spend quality time together, the list goes on.

     

    Or you could instead finance your private club membership with Fringe!

  • How It Works

    1

    Join Waitlist

    We will open up the waitlist in January 2024.

    2

    Fill Out Application

    We will have a decision within a few days. We may need to speak to you to clarify a few items.

    3

    If Approved

    Review and sign Fringe documents. If not approved, we will let you know why.

    4

    Play Golf!

    Enjoy your private club membership, make new friends and birdies!

  • Fringe FAQs

    What is a Fringe loan?

    A Fringe loan is money you borrow to finance your initiation fee for your private golf club. Taking a Fringe loan can be a smart way to conserve cash.

    Are Fringe loans amortized or balloon loans?

    Our aim is to make it simple and flexible for you. In most cases, you will have the choice of loan type. A balloon loan comprises a stream of constant payments followed by a large payment at the end, which is called the balloon payment. In contrast, a fully amortized loan is composed of equal payments, which are paid throughout the life of the loan.

    Am I eligible for a Fringe loan?

    To be eligible for a Fringe loan, you must be a US citizen, permanent resident, non-permanent resident, 23 years or older, and reside in one of our eligible states. If you are a permanent resident, you must be able to show an image or scan of your permanent residency card (Green Card) and your Green Card must have a total validity (from issuance to expiry) of more than 2 years. Loan eligibility also depends on a number of additional factors, such as a responsible financial history, credit score, your monthly income vs. expenses, and professional experience.

    Is a Fringe loan secured or unsecured?

    Most Fringe loans are unsecured however we may require a personal guarantee.

    What is the minimum and maximum I can borrow?

    With Fringe, the minimum amount you can borrow is $5,000 in most states and the maximum is $100,000.

    Are there any origination or prepayment fees?

    We do charge a modest origination fee, this fee covers our background check and document fees.

    Will applying for a Fringe loan affect my credit?

    No. To check the rates and terms you qualify for, Fringe conducts a soft credit pull that will not affect your credit score. In addition, we also do not report your Fringe loan to the credit bureaus.

    How long does it take to receive the funds?

    Once your application is complete and verified, if you are approved for a Fringe loan, you will receive a Loan Agreement for electronic signature. Once you’ve signed the document electronically, we will give you a call to confirm a few things - and welcome you to the Fringe family, and then your funds should generally be available within a few days. In some cases, we pay your golf club directly.

    Can I have multiple Fringe loans?

    To qualify for future Fringe loans, you must have made nine consecutive scheduled payments on an existing Fringe loan. Note that Michigan residents can only have one Fringe loan.