Direct golf finance

[BluenoseGolfer]

Evening guys, I'm currently patiently building my first golf bag. But as I've just joined a club I want to accelerate this process and have come across some finance on direct golf.

I want to order, TM superfast 2.0 3 wood, burner 2.0 irons, and a scotty cameron newport 2.0 (surprised they have it in left hand!)

Anyway I've never used a finance before but this says its interest free! over 12 months, now I would have no problem paying the monthly payments, but could I pay it off at any time? I'm 21 in December so the plan is to pay a few months, knock a ton or so off the price then pay it off with my birthday money.

Is it a good idea or am I being inpatient? interest free and should have it paid off by xmas and will have a nice new set of clubs. Anyone used this service before?

and what about the club choices?

Thanks!

 

[Deke]

How long have you had your Nike irons for? Seems a bit crazy to be replacing your irons so soon,especially if you have never had a go of the Burners,and this is your first bag! I bought far to many clubs when I first started,I wish I bought lessons instead mate!

 

[needmoreclub]

BNG, Sounds like one of these finance agreements where you have 12 months to pay off the balance with no interest charges and if you don't you'll be hit by a hefty interest rate ( 29% or there abouts)it should tell you in the small print, so if that's the case you can do what your planning with no problems. Regarding club choice, good quality gear you've picked out but it really depends if it suits you. What handicap have you got or what scores are you posting, i know it's boring but you don't want to pay top dollar for gear that might not be suitable. Certainly can recommend Direct-Golf, used them many times.

 

[BluenoseGolfer]

I've had the nikes for about 4/5 years, (its only now i'm really getting into the game) they were handed down to me from an uncle in poor condition so they have never really felt like mine.

I've been shooting scores of around mid 80's and just started a course of lessons so hoping the scores may drop a bit. The pro said I've got a good swing on me, just need to get out there and get more rounds under my belt to get more experience!

As for the TM I haven't tried the irons, I really should, I've just read a lot of reviews and they seem good game improvement clubs which is right up my street.

Had a go with the 3 wood on saturday and it went well, and I really want to change to a bladed putter so I think i'll go with those two for sure.

 

[needmoreclub]

BNG, sounds as if your more than tuned in mate, enjoy your new purchases

 

[hangover]

Clubhouse golf do the same finance scheme too. So compare the prices on the 2 sites and see what works best for you.

 

[Deke]

Fair enough mate,the Slingshots are probably a bit old! I always try to avoid buying clubs full price,usually buying last seasons clubs from ebay or from websites if they offer enough discount! Direct golf are a decent company,but the gear you mention is all quite pricey,maybe starting with something cheaper/older might be a better choice? That being said if you can afford the monthly rate,all the clubs you mentioned are good,and you are already scoring better than me so good luck!

 

[BluenoseGolfer]

Yeah i'll have a little look around, the way I see it is getting the 21st present early.. but thanks for the replies

 

[HomerJSimpson]

Personally I'd never buy any club without hitting them somewhere first. I think you need to check the small print of the agreement to make sure you can actually pay the balance as a lump sum as I'm pretty sure a lot of these insist on the payment over the course of the agreement or imposing some kind of early redemption fee

 

[chris661]

Personally I'd never buy any club without hitting them somewhere first. I think you need to check the small print of the agreement to make sure you can actually pay the balance as a lump sum as I'm pretty sure a lot of these insist on the payment over the course of the agreement or imposing some kind of early redemption fee

How do you know he hasn't hit them somewhere?

But I do agree tread carefully with the finance.

 

[BluenoseGolfer]

Yeah i can see your point homer, but it says 12 monthly payments of £30 interest free so even letting it run its course i won't be paying an extra so I presume they would let it be paid off. I'll ring up tomorrow to inquire about it anyway, thanks for raising the point though, i'm new to all this kind of stuff

 

[palindromicbob]

Try before you buy is the main advice I'd have for you.

I started with 2nd hand Cobra FP irons I got from my brother. I had the same feeling of them not really being mine especially as they'd been fitted for him. I was in the market for Burner 2.0 myself and it was a coin flip between them or Cobra s3's.

Was going to get them online and decided to try a local shop. The fact I now play with Callaway's sum up how I got on, I also paid less than I'd seen them for online.

The Burners went long but gave no height in trajectory for my swing and the S3's where going too high and quite short.

Also found out I was standard lie and loft so can comfortably buy straight of the shelf but you may find that you need some adjustments to get the most out of your gear.

If you can truly afford it go for it but don't rush the decision.

 

[HomerJSimpson]

How do you know he hasn't hit them somewhere?

Because he says in his post he hasn't hit the TM's yet.

 

[BluenoseGolfer]

Going to go down the local DG tomorrow to hopefully have a hit, if they have any left handed in.

 

[RGDave]

BNG, Sounds like one of these finance agreements where you have 12 months to pay off the balance with no interest charges and if you don't you'll be hit by a hefty interest rate (29% or there abouts) it should tell you in the small print, so if that's the case you can do what your planning with no problems.

IF it is this sort of thing, be careful, very very careful.

The truth about these arrangements is that companies lend a load of money to folk (to buy almost anything) and make their money by people forgetting to pay/defaulting/making the last payment late etc.etc.
It's a legit system, but is fraught with pitfalls.
I can recall a number of common "sharp practice" manoeuvres that the finance-end (not the retailer) will pull. I have had to extricate myself and a good few friends/colleagues from precarious situations.

If you want to do it this way, do it, but be ready to never slip up and remember 11 months down the line to keep all your paperwork and settle the account in good time.