Club or business?
There may be genuine members' clubs but, sadly, many 'clubs' are actually fronts for flight training businesses lining the pockets of CFI's and some instructors with students' cash. Hence the horror stories about how many hours and briefings many people are milked for before they were 'ready'.
If you are on the pay-as-you-go route, success will usually cost you a lot more than you imagined or they told you. The alternative is a fixed-price course. Booking a course will involve committing cash up-front but, if you go to Florida, you should save a small fortune and qualify in weeks.
In both cases, beware of and ask about the price of essential extras such as exam fees, and fuel surcharges