Joining Disney Vacation Club is one of the most exciting decisions a family can make. DVC is one of the best vacation clubs out there, offering a points-based system that gives owners real flexibility and freedom. But it’s no secret that buying DVC points isn’t cheap. Even when you browse Disney Vacation Club points for sale on the secondary market, you’ll notice that DVC is a brand that holds its value relatively well. Whether you’re buying DVC resale or directly from Disney Vacation Club, the process doesn’t have to be stressful. There are Disney Vacation Club financing options available for everyone.
Financing Directly from Disney Vacation Club
Although buying resale is much more budget-friendly, many people make their initial purchase directly from Disney to receive the extra DVC benefits, like annual pass options and member events. If you’re purchasing directly from DVC, you can finance through Disney or a third-party lender.
Some buyers choose to finance through Disney Vacation Club for convenience. It can be easier to track maintenance fees and mortgage payments when they’re all in one place. Disney Vacation Club financing terms typically include:
- Financing is unavailable to Colorado or Delaware residents.
- Some state minimum or maximum loan amounts may apply.
- Maximum interest rates up to 18%, or 18.01% APR.
- 10% down payment required.
- 675 minimum credit score.
- No foreclosure history in the last three years, and no open Federal or State tax liens.
Please note: This is a general idea of what direct DVC financing terms include. These terms are subject to change.
Financing DVC from a Third-Party Lender: Vacation Club Loans
When you purchase a timeshare, most developers and vacation club brands offer in-house financing. It’s perfectly fine to finance through them, but you may find better loan terms from a third party. With Vacation Club Loans, you can finance your Disney Vacation Club membership, whether you buy directly from Disney or through a Disney Vacation Club resale.
With more than 15 years of experience in DVC financing, Vacation Club Loans makes ownership simple, affordable, and approachable. Here’s what sets them apart.
Vacation Club Loans DVC Financing Terms
- Rates as low as 11.90% APR, ranging up to 17.90% APR based on credit score.
- Down payments of just 10% for credit scores 600 and above; 20% for the No Credit Check / under-600 option.
- Buyers with a 700+ credit score can finance closing costs and DVC fees into the loan.
- No Credit Check option with 100% approval on all DVC applications.
- $0 loan origination fee—currently waived, saving buyers even more.
- $0 prepayment penalties—ever.
- Fast online approval, often within minutes (Monday through Friday).
- Your debt stays private—loans are not reported to credit bureaus.
- No minimum loan amount.
Key Benefits of Vacation Club Loans
No Credit Check Option for DVC: Your credit score won’t stand in the way of owning DVC points. Vacation Club Loans approves 100% of all Disney Vacation Club credit applications. You can choose a secured credit application for a lower rate, or select the No Credit Check option. Either way, you’ll receive an official loan approval email within minutes, Monday through Friday.
$0 Loan Origination Fee: Save money on unnecessary closing costs. Vacation Club Loans is currently waiving the loan origination fee, saving buyers even more. Additionally, buyers with a credit score of 700 or higher can finance closing costs and DVC fees directly into the loan for added convenience.
$0 Prepayment Penalty: Enjoy complete flexibility. Make additional principal payments anytime, in any amount—it’s entirely up to you. Plus, you’ll have 24/7 online access to manage your account whenever it suits you.
Low Interest Rates: Rates are tiered based on your credit score—starting at 11.90% APR for scores of 800–850, 13.90% APR for 700–799, 15.90% APR for 600–699, and 17.90% APR for the No Credit Check / under-600 option. No matter your tier, you’ll never face a prepayment penalty, giving you the freedom to pay down your loan on your own terms. Use the payment calculator to find your monthly payment and terms.
Keep Your Debt Private: When you finance your DVC purchase here, your loan is not reported to credit bureaus. That means your debt-to-income ratio stays your business—giving you the freedom and privacy you deserve.
Refinance at 13.9% APR: For a limited time, Vacation Club Loans offers a refinancing program that pays off your existing loan with any DVC competitor or Disney Direct for a lower rate of 13.9% APR. Credit score and equity requirements apply, so call today to learn more.
Vacation Club Loans Interest Rates Based on Down Payment and Creditworthiness
| Credit Score | Interest Rate | Down Payment | Additional Notes |
|---|---|---|---|
| 800–850 | 11.90% APR | 10% | Closing costs & DVC fee can be financed |
| 700–799 | 13.90% APR | 10% | Closing costs & DVC fee can be financed |
| 600–699 | 15.90% APR | 10% | — |
| No Credit Check / Under 600 | 17.90% APR | 20% | — |
Finance up to the maximum term with no prepayment penalty. Vacation Club Loans is currently waiving the loan origination fee, saving buyers even more.
Steps to Finance Your DVC Purchase
Whether you’re financing a DVC resale or a direct purchase from Disney, the steps are mostly the same. DVC timeshare financing is simple with the right lender. Wondering how Disney Vacation Club financing works? Follow along:
- Browse DVC points for sale at your desired resort. There are 15 DVC home resorts to choose from, each with its own theme and accommodation styles. Disney Vacation Club owners enjoy priority booking access at their Home resort, so it’s worth choosing one you’d like to stay at most often. One of the many benefits of buying a DVC resale is the chance to find points packages from sold-out properties.
- Use the Vacation Club Loans DVC Financing Calculator to estimate costs. On every DVC timeshare for sale on our website, you’ll find a financing calculator to estimate your monthly payments. Enter the total amount you’ll be financing, your down payment (10% to 20% depending on credit), and your interest rate and loan terms.
- Get fast online approval when you pre-qualify. Apply online and receive an official approval email within minutes, Monday through Friday. Prefer not to run your credit? Choose the No Credit Check option, which approves 100% of applications. Vacation Club Loans will reach out promptly to finalize your terms.
- Make an offer on a DVC resale. You can qualify for your loan before you start making offers, or right as you head into contract. Either way, move quickly on the DVC timeshare you want—our listings go fast. The quickest way to make an offer is by calling 407-465-5188 to speak with a licensed real estate agent.
DVC Financing Calculator
Use the Timeshare Financing Calculator on any DVC timeshare for sale to get an estimate of your monthly payments. Simply enter the Total Loan Amount, your Down Payment (10% for credit scores 600 and above, or 20% for the No Credit Check option), your Interest Rate (ranging from 11.90% to 17.90% APR based on your credit tier), and your preferred Loan Terms. You can finance up to the maximum term with no prepayment penalty, keeping your monthly payments as manageable as possible. It’s a quick, transparent way to see exactly what ownership could look like for your budget.
Disney Interest Rates & Credit Cards
Disney credit cards can be used for down payments on DVC financing, and they come with some neat benefits. The Disney Reward Dollars you earn can be exchanged for products you’d probably buy anyway, such as a 1-day child theme park ticket to the Magic Kingdom.
Disney Premier Visa Card
- Earn 2% in Disney Dream Reward Dollars at gas stations, grocery stores, and most Disney locations.
- Earn 1% on all other card purchases.
Disney Reward Visa Card
- Earn 1% in Disney Dream Reward Dollars on all card purchases.
- 1 Disney Dream Reward Dollar for every $100 spent.
- Interest-free for 6 months.
- 0% APR when you book select Walt Disney World and Disneyland Resort vacation packages, all Disney Cruise Line packages, Adventures by Disney packages, and Aulani.
- 10% savings on merchandise purchases of $50 or more when you mention your cardmember savings perk and use the Disney Visa Card.
Regardless of your reasons for financing a DVC purchase, the best course of action depends largely on your overall financial situation. It’s always worth evaluating your circumstances thoroughly before making a decision.
DVC Resales Financing
If you’d like some help weighing your options, Fidelity’s licensed real estate brokers are DVC experts with decades of experience handling Disney Vacation Club transactions. They’ve closed more DVC resale transactions than any other company on the secondary market, and they’d be glad to provide any information or assistance you need. Simply contact a Fidelity Real Estate agent with any questions.
Already own DVC and looking to sell? Fill out the form below to get started.
