Late fee in gym membership
I am a woman living in the west and wanted to join a gym with a women's only section. I was able to find a couple and was going to join them, however when I went to enter the membership they all stipulate a late fee if you miss a payment.
I understand that late fees are haram as they are considered riba. I also understand though that living in the west majority contracts have late fees, which is why scholars have made an exception if there is a necessity like rent or school costs.
I guess my question here is could my situation be considered a necessity? There is no other women's only gym in my area that doesn't have any type of late fees in the contract. The only gyms that don't have any type of late fees are all gender mixed gyms.
If anyone has any insights on this, please let me know!