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FAQ - Club 14

What is Club 14 Golf?
Club 14 Golf offers the newest golf clubs and equipment from the top manufacturers for low, equal 0% APR payments. If you qualify, then you can pay for your purchase from Club 14 Golf with 0% APR financing (qualified buyers, may require downpayment)*.
Are your products real and genuine?
We are an authorized dealer for every brand we offer. All of our products are guaranteed to be 100% genuine and authentic. All product comes backed by the original manufacturers warranty.
What are the costs?
You can find the payment listed for each product. If you qualify, you can pay for your purchase at 0% APR with low, equal payments, with no prepayment penalties, origination fees, or deferred interest. Club 14 Golf is a low-cost way to get 0% APR financing for the golf equipment you need to elevate your game.
What is the catch?
There is no catch! Golf clubs are expensive, and so is most new golf gear. We simply want to make all the latest and greatest golf equipment available to all golfers for an affordable, no interest payment. If you qualify, you will make low, equal payments at 0% APR for your purchase.
Is there a credit check?
Both Klarna & Affirm perform a soft credit pull in order to determine availability.
How does the process actually work?
If you qualify, you will make low, equal payments at 0% APR for your purchase with no hard credit checks, no hidden fees, early pay penalties, or deferred interest charges. Klarna & Affirm will perform a soft credit check to determine eligibility.  The length of the loan depends on the size of your order.
What information do I need to give to determine if I am eligible for purchase?
You can check to see if you qualify in seconds with a few pieces of personal information, and checking your eligibility has no impact on your credit score. No hard credit check, just a soft credit pull.
Can anyone qualify for purchase?
At checkout, you will input your information with Klarna or Affirm and they will determine if you qualify. Unfortunately, not all customers will qualify for purchase. Some buyers will be offered a downpayment option that will require a certain amount paid down. Affirm may offer financing with interest. Klarna offers a Pay in 4 option on items up to $1,500 which is Interest Free with 25% of the payment due at the time of checkout and 25% payment every 2 weeks for 6 weeks.*
Does everyone receive 0% APR?
Yes, if you qualify for monthly financing. Some customers will be offered a downpayment option. Customers can also take advantage of Pay in 4 which is Interest Free on all orders under $1,500.
Where can I find the retail price for each item?
Retail price for each item can be found under the add to cart button on the product page.
Is the product new or used?
All products are new and covered under the manufacturers limited warranty.
Can I buy the product?
Yes, by checking out on Club 14 Golf, you are obtaining a loan to finance your purchase. Our financing partner charges no prepayment penalties, so if you qualify, you can pay off your loan early at any point. Purchasing brand new golf equipment is easy and affordable through financing from Club 14.
When will my product ship?
All items that are in stock will ship out the following business day, after order is completed. Any custom items shipping directly from the manufacturer may take 2-8 weeks.
When does the billing start?
On monthly loans over 12+ months, your first payment will be due 30 days after your purchase date. You will be billed each month according your loan agreement with our financing partner. Pay in 4 payments are due every 2 weeks from time of checkout.
Do you have a return policy?
You can return all NEW and UNUSED items within 30 days of purchase for a full refund (restocking fees of up to 20% apply to custom ordered items). To qualify for a full refund, you cannot use the item, it must be returned in the original packaging, and all the accessories (head cover, wrench, etc) must also be returned.
How do I return my item?
Contact us via phone at 630-791-9567 or email us at info@club14golf.com to arrange the return. You will be responsible to cover the cost of the return shipping to us (unless there was an error on our end). We can email you a return label for a small charge.
What happens to my monthly plan once I return the club?
Assuming your return is received in new, unused condition, any payments made on your loan will be returned to you.
What payment options are accepted?
If you qualify, you can pay back your Club 14 loan with a debit card, or bank account. If you don't want to finance, you can check out using your credit card.
What happens if I lose the product, or it is damaged?
If the damage isn’t covered by the manufacturers warranty or if you lose the club, then you will be responsible for the full balance remaining on your loan.
What are some examples of items you won't refund?
All returned items must be in new condition. Any items that have been removed from original manufacturer packaging and used or hit will not be accepted, and they will be returned to you and you will be required to continue to make payments in accordance with your loan agreement.
May I return custom clubs?
Because of the custom nature of special orders, we do not take back custom club orders.
What happens to my monthly plan once I return the club?
Assuming your return is received in new, unused condition, any payments made on your loan will be returned to you.
Do you ship internationally?
Currently, we only ship in the United States.
Do I have to pay sales tax?
We only collect 8% sales tax on orders shipped to Illinois. For all other states, we do not collect sales tax.
What does it cost to ship my order?
All orders over $100 ship ground and free of charge to the lower 48 states. All orders under $100, will be charged a flat shipping fee of $7.99. An additional surcharge applies for items going to Alaska and Hawaii. Contact us today for a quote.

*Subject to credit approval. 0% APR subject to credit approval, resulting in, for example, 12 equal monthly payments of $100 per $1,200 borrowed. Minimum purchase of $149 required. 0% APR financing only available to qualified customers with excellent credit history. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank, member FDIC.