For a gym membership? I know there is a program that awards someone with a year membership and some insurances will also cover a gym membership as well. They do have several cheaper memberships that limit your access to the gym by time of day and/or day of the week. This works for some people anyway because they work during the middle of the day and can only get to the gym in the evenings or weekends. Also, memberships are monthly, there are no contracts.
I'm not sure but you can ask about a payment plan.
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