Rent-to-Own for Golf Clubs

Do you want to get into golf, but feel unsure about whether you can get golf clubs with an imperfect credit history? You may have options.

 

In this guide, we’ll introduce how rent-to-own can be an option for golf clubs, check out the types of clubs you can snag, and spotlight a few notable brands. We’ll also share options for finding out where you may be able to rent-to-own a set of golf clubs near you.

 

  • What is Rent-to-Own for Golf Clubs?
  • How does Rent-to-Own Work for Golf Clubs?
  • What Kinds of Golf Clubs are Available?
  • Where Can I Find Rent-to-Own Golf Clubs?
  • FAQs About Rent-to-Own Golf Clubs

Rent-to-own Golf Clubs – an Intro

Golf equipment sales have recently surged, reaching record highs for major brands. Simultaneously, there seems to be significant interest in golf across the U.S., with millions of people looking to get into the game.

 

For newcomers, especially those with lower credit scores, the prospect of paying for equipment upfront, all at once might seem daunting. However, rent-to-own payment options offer a solution, allowing individuals to start playing without the need to make a large upfront payment. This alternative payment method can make it easier to enter the sport without having to pay for all the clubs and other golf equipment, all at once.

How do rent-to-own golf clubs work?

Rent-to-own is a way to access golf clubs without having to pay in-full, up-front. If approved for a rent-to-own option, you may be able to get those fairway woods you wanted or maybe that putter you’ve had your eye on, depending upon who you sign a rent-to-own agreement with. Looking for a place to rent-to-own? Get started* today by searching for where you’d like to shop.

 

*NOTE: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process with American First Finance. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

What Kind Of Golf Clubs Can You Rent To Own?

Ultimately, what you can get will depend on where you apply and are approved. We’ve outlined some common clubs below that may be available today in the national rent-to-own marketplace.

Woods

You’ll know them by their big heads—the club equivalent of a van’s extended cab, which often hollows from front to back. Fitted with long shafts for max swing speed, woods are for teeing grounds or when you need some yards to be covered.

Irons

Often coined as “blades”—these clubs usually range from 3-iron to 9-iron or pitching wedge. Their dense, solid heads equipped with angled faces and grooves mean more spin control and loft, essential traits for shots off fairways or tee shots in shorter holes.

Hybrids

Outfitted with club head designs that marry features from several club types, these clubs (also known as utility or rescue clubs) can be helpful for golfers daunted by the long irons. Introducing ease of use akin to fairway woods but with trajectory control from the iron club benefits results in clubs that adapt smoothly to multiple on-course scenarios.

Wedges

This category is essentially a sub-set of irons but features distinctly different club heads morphed into severely angled faces. This type includes pitching wedges, gap wedges, sand wedges, and lob wedges—each serving unique roles for shorter approach shots towards greens, chips, and pitches around greens.

Putters

Putters come in a variety of shapes and sizes for comfort levels. Are you looking for traditional blades with slender silhouettes? Do you prefer mallets? Either one you choose offers different benefits for your golf game.

Find Rent-to-Own Golf Clubs Near You

Golfers with less-than-perfect credit scores may face barriers when trying to get the dream golf clubs they really want through traditional means. And in cases where one has a credit score below 580, acquiring new gear may look like an uphill battle.

 

However, a rent-to-own option could be worth considering. If approved, it makes getting clubs more realistic – without having to pay all at once. Of course, the options available will vary based on the merchant.

Rent-to-own Golf Clubs Options in Summary

Rent-to-own may be a feasible option for getting access to golf clubs, even if you have had credit hiccups in your financial past. If approved, you can make monthly payments based on your payment frequency over a period of time, and may be able to possess the brands or clubs you’re looking for.

 

If you’d like to find rent-to-own options for golf clubs, our store locator can help you find stores* near you.

 

*NOTE: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process with American First Finance. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

Rent-to-Own Golf Clubs FAQs

Here are some common questions about rent-to-own golf clubs.

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What Credit Score Qualifies for Rent-To-Own Golf Clubs?
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What Does Rent-To-Own Mean?
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How Soon Can I Own My Golf Clubs?
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Where’s the Best Place to Rent-To-Own Golf Clubs?
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How Can I Apply for Rent-To-Own Golf Clubs?
© 2025 American First Finance. All Rights Reserved.

1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).

Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.

Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.

Lease: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months.

2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.

3 Decisioning may take additional time and not be same day. Additional information may be required.

4 This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.

5 Approval is possible without a credit score, but credit may be checked.

6 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.

To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.

American First Finance, LLC – NMLS ID 1757007

© 2025 American First Finance. All Rights Reserved.