Frequently Asked Questions

You will need to be aged 18 years or over to apply for finance.

We provide loans from £200 to £2000, your chosen Golf Club will confirm the cost of your membership fees at the clubs renewal point for the year.

You will need to contact the golf club of your choice directly to ensure you know the correct membership fee before you apply for finance.

Once you apply for a loan, the relevant terms applicable to your chosen Golf Club will be made available for you to consider.

All illustration of all repayments including number of payments and payment amounts are shown as part of the application process.

This will certainly make it easier for you to get a Zebra Golf loan. All loans are subject to status and Terms and Conditions, if you have concerns over your credit history we would suggest you contact a credit reference agency for more information, we use Call Credit: or call them on: 0330 024 7574

To be eligible to apply for a loan, you will need to have been a permanent UK resident for at least the last 3 years.

This is not necessarily a problem as we consider many factors when you apply for a loan, we would recommend you consider applying with a joint applicant that is in full time employment to strengthen your application.

You can make a joint application with a direct family member, Spouse, Mother/Father, Brother/Sister. Please note that the joint applicant will also be credit checked during the application.

It is not necessary for you to be a homeowner to apply for a Zebra Golf Loan.

Yes you can, you would need to be have been trading a minimum of one full tax year.

When submitting an application for finance you will need to provide your full name, date of birth, 3 years address history, 3 years employment history, income/expenditure details and bank account information.

If you look through the drop down box list on the portal and cannot locate your club please give our team a call on: 01332 680400 (Opt 1).

With online applications we will provide you with an instant decision. Should your application refer to a specialist we aim to provide you with a final decision in 24 hours via e-mail. If an e-mail address is not provided when submitting the application we will post our decision out to you.

If you don’t have a membership number then simply enter your first name and surname in the membership field.

All repayments are made by Direct Debit. Please check with your Bank Building Society to ensure a Direct Debit can be claimed from your account.

This highlights mandatory fields which you must complete before moving onto the next question on the application. The system will highlight in green when completed correctly.

If incorrect details have been provided on your application, please contact our application department on 01332 680400 (Opt 1) and they will be able to assist. This may result in a new application being submitted.

We will pay your chosen Golf Club directly. We will not pay you directly.

This is an online process which enables the documents to be signed electronically. If you have not given us an e-mail address whilst applying you will be unable to echo sign your document and your documents will be sent to you in the post.

Once you credit agreement has been processed your first Direct Debit is due within 30 days. A letter will be emailed to you, or if not email address given at the point of application, then sent by post to advise when the Direct Debit payments will be claimed.

If you need to change the date we allocate to you we can do that quickly and easily. Our collections department will endeavour to amend the repayment date to a more suitable date for you.

You can call our collections department or e-mail and we will be able to assist with changing your bank details.

You can call our team or e-mail and we will be able to assist with changing your address details.

All applications have a 14 day cancellation period from date of activation. If you wish to cancel and are within the 14 days please contact us or e-mail us on

It is important that your keep all your payments up to date. If for whatever reason you experience difficulty making your repayments you must contact our office immediately on: 01332 680400 (Opt 1).

If your application has been unsuccessful, a letter will be emailed to you, or if no email address given at the point of application then sent by post to advise you of our decision.

You will now need to speak to your chosen Golf Club for your other payment options.

Zebra are an agent and loans administrator for Raphaels Bank who is the Lender. Direct debits are collected by Raphaels but administered by us. Your payments will show as RRSZebra on your statement.

A continuous payment authority, (“CPA”), is a type of recurring payment, similar to a Direct Debit where you give permission for a company to take future payment(s) using your debit card details.

We will only use “CPA” as an alternative payment method to our standard direct debit payment method should your account fall into arrears. We will take authority from you to use this payment method and obtain your debit card details. Only agreed payment amounts will be taken, on agreed dates. Payments will only be attempted once. If the agreed payment is unsuccessful, we will not try to take part payments, we will attempt to contact you to find out why your payment has failed and an alternative arrangement will be required.

As a CPA is only used if your account is in arrears, then failure of the agreed payment will result in your account continuing to be in arrears. The status of your account is reported each month to the credit reference agencies, whilst in arrears, this will have a negative impact on your credit file which may cause you problems obtaining credit in the future.

You can cancel your CPA at any time using one of the methods below; Cancelling CPA via email Please send an email to with a subject title of “Cancel Continuous Payment Authority”. Within the email, please quote the following to help us identify your account; • your loan agreement reference • your name and date of birth • your postcode Please be aware it will take at least 24 hours to process this instruction so if you have a repayment scheduled within the next day or two you should call us.

You can cancel CPA by calling 01332 680415 and speaking to a collections adviser.

No fees are applied for paying your account by debit card