After enduring years of the pandemic, maybe you’ve become put-off by heavily touched surfaces and heavy-breathing strangers. Maybe you’ve discovered the advantages of working out at home.

For whatever reason, you’ve found yourself in a classic situation: You signed a contract for an expensive gym membership and aren’t using the damn thing.

Can you extricate yourself from the commitment and save some money?

Today, the answer is the same as always: Maybe, maybe not; almost certainly not without some effort and maybe a fee.

“Gym memberships are notoriously hard to quit,” says David Reischer, a New York City attorney and CEO of “Contracts are drafted in such a way as to not allow a person to quit without suffering a penalty.”

Ah, yes — much like working out itself. That said, there are ways to get around gym contracts, especially now. Here’s how to go about it.

1. Review Your Contract

Person Signs Contract | Cancel Gym Membership

Dig through your inbox or junk drawer to find those documents you signed when you joined the gym, and review each clause before you proceed.

“First, I suggest reading the fine print of your contract so you can see the terms and what is expected of you should you wish to break it,” says Andrew Taylor, an attorney in Sydney, Australia, and founder and director of Net Lawman.

See if there are provisions for cancellation. These commonly include:

  • If you become disabled and are unable to use the gym.
  • If you move a certain distance away from a gym or chain’s location (often 25 miles).
  • When you give a certain number of days’ notice (usually in writing).
  • If you pay a cancellation fee. “Sometimes there will be a kill fee, but if you’re not using your membership for certain reasons, it’s going to be well worth that to get out of it,” Taylor says.

2. Give the Gym a Call

Man on Phone Call | Cancel Gym Membership

If your membership is iron-clad — or the cancellation terms in the contract aren’t acceptable to you — you can give your gym a ring and see if they’ll let you out of your contract.

But depending on the gym, don’t expect to bend a sympathetic ear.

If cancelling isn’t an option over the phone, there are other solutions you can suggest while you have them on the line.

3. Propose a Freeze or Transfer

A potential compromise: “Try talking to the gym management and see if the membership can be transferred or temporarily frozen,” Reischer says.

Gym contracts often include a provision for freezing memberships. If yours doesn’t, you might be able to negotiate one over the phone.

You might be able to pause billing on a monthly membership for a certain time, usually from one to six months.

Or if you have a friend or family member who’s willing to take over your membership, and your gym will allow it, you could have the gym shift the monthly charges to their credit card, or they could reimburse you for the balance of your prepaid yearly contract.

If you choose the latter, just do it formally through the gym; it’s not a great idea to let someone impersonate you in a venue where public nudity is commonplace.

4. Cut `Em Off

Woman Cancels Card Payment | Cancel Gym Membership

If you’re on a monthly contract, you have another option: Go nuclear.

“Call your credit card company to dispute the charges and prevent further charges going forward,” Reischer says.

“Typically, a person who unilaterally cancels the contract will not face a lawsuit, because most gyms collect sufficient upfront fees that they won’t waste their time pursuing a lawsuit for the remaining money due,” he adds.

But do this at your own risk. You could find yourself blacklisted from that gym or chain in the future.

And credit card companies regularly conduct reviews on chargebacks; they might determine your claim is invalid and reinstate the charges.

Your best bet is to call your gym and negotiate a conscious uncoupling. Don’t be afraid to ask for terms that work for you — consumers can have leverage.

“Talk to your gym, explain the situation and your reluctance to continue your membership, and potentially place it on hold for another time, which they may be interested in — they don’t want to lose you as a customer for their own survival,” Taylor says.