Charges and payment options

Most gyms offer various payment options including monthly and weekly direct debit. For many people, this is preferable to paying a lump sum in advance. It provides some protection if the centre goes out of business - you just stop paying. But one-off payments may be cheaper over the course of a year.

If you don't want to fork out for a full membership, many gyms offer casual visits - but these are usually expensive. Some offer 10-trip concession cards.

Some also offer discounts for students and adults, or for off-peak access.

Most charge joining fees for the first year of membership.

What'll it cost?

Generally, you'll pay more to join a city gym than a small town one. When looking at prices, it's helpful to work out the total cost per week, including the joining fee in the first year, and then divide it by the number of times you'll go in a typical week.

For example, if a gym costs $99 to join, plus $16 a week, that's about $900 per year. Divide this by 46 weeks (allowing six weeks for holidays and being sick) and you get a weekly cost of around $20. For that amount, you may be able to do an exercise class at a community leisure centre, play a game of indoor netball, and go for a swim at a local authority swimming pool, paying as you go.

What's included?

Look at what you're getting for the price. Some gyms have lower charges but make you pay extra for exercise classes, while others include the classes in the overall fee. And some have more or better facilities than others (see Other factors to consider).

Many gyms also have personal trainers. They can help you stay motivated but they are usually not included in your membership. A personal trainer's time may range from $25 to $100 per hour.

How much help and support you get from staff and personal trainers varies a lot among fitness centres. Therefore don't just view the facility on price alone, ask about support programmes.

Used memberships

Many people sell their memberships on www.trademe.co.nz. The seller will usually pay the transfer fee and you may get a good weekly deal with a shortened contract period. Check with the gym that they do allow their members to transfer membership before placing your bid.