Is paying for a five-year club membership in installments through the bank—where the bank pays the club and the beneficiary repays the bank—considered an interest-based loan (riba)?

If the bank charges the client an amount exceeding what it paid to the club in installments, this is considered a prohibited usurious loan, and it is not permissible to enter into it. It is obligatory to ascertain the reality of what the bank is doing, in accordance with the Almighty's saying: "O you who have believed, fear Allah and give up what remains [due to you] of usury, if you should be believers. And if you do not, then be informed of a war from Allah and His Messenger. But if you repent, you may have your principal – [thus] you do no wrong, nor are you wronged."