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Disney Vacation Club Resale Financing

What Is The Disney Vacation Club

Financing Your DVC Contract | The DVC Show | 10/07/19

If youre a Disney devotee and like to visit the parks often, joining DVC can be a great way to enjoy regular vacations at Disney properties.

DVC is a vacation ownership or timeshare program. With most timeshares, you buy access to a single property. DVC works differently when you become a DVC member, you have interest in a particular Disney resort property.

Disney Vacation Club Financing Options

Joining Disney Vacation Club is one of the most exciting decisions a family can make. Undoubtedly, DVC is one of the best vacation clubs out there and offers a points-based system that provides flexibility and freedom for owners. But its no secret that buying DVC points is not cheap. Even when you browse Disney Vacation Club points for sale on the secondary market, you will come to realize that DVC is one of the few brands that holds its value relatively well. Whether you are buying DVC resale or directly from Disney Vacation Club, it doesnt have to be a stressful experience. There are Disney Vacation Club financing options available for everyone.

Enjoy A World Of Vacations You Never Outgrow

Disney Vacation Club puts a wide variety of incredible vacations within your reach. In addition to uniquely themed Disney Vacation Club Resorts, youll also have access to thousands of unforgettable experiences around the world with the World Collection.

From a quick romantic getaway to a weeklong trip with the whole family, the World Collection offers vacation choices near and far. Head to the tropics, and soak up some sun on a white sandy beach, or plan an exciting ski trip to an alpine lodge. Practice your swing on some of the worlds most famous fairways. See some of the worlds greatest cities, travel to the Swiss Alps, or visit the Mayan ruins of Mexico. A world of possibilities is available to you through Disney Vacation Club.

Also Check: Sunriver Oregon Vacation Home Rentals

The Wonderful World Of Dvc Resale Financing

In recent years the Disney Vacation Club Resale Industry has grown and with that so has the affordability through great financing options. Rates on 5 year loans can be found under 10%. Compare that to ten years ago when it was almost impossible to even get a loan in the timeshare resale world. Fueled by competition, in just the last year alone DVC Resale lenders have dropped interest rates on their loans several percentage points. Moreover, for financing DVC contracts only, a few lenders Monera Financial and Timesharelending do not require credit checks. Monera, currently the #1 DVC Resale Finance Company and the primary lender for all Florida based resale DVC resorts was the first to pioneer the concept of financing DVC contracts based on the collateral and not the credit as with DVC unlike some other timeshares the resale value has a strong history. Timesharelending, the primary lender for all non-Florida based resale DVC contracts now offers no credit checks but will offer an additional 1% interest rate discount for what they consider to be good credit.

In fact, the DVC Resale financing world has now gotten arguably as attractive as Disneys financing for their direct sales. Compare the following for ten year loans, which are the most common for DVC financing:

Moneras rates for 10 year loans are 9.9% to 14.9% regardless of credit.

Disney direct rates for 10 year loans for non-members range from 9.9% to 17.5% based on credit and down payment.

As An Owner Am I Restricted To Use My Points Only At Disney

Monera Financial Introduces New Financing Option for DVC Resale ...

No, every DVC owner is eligible to use the Interval International exchange program to make reservations at thousands of resorts in over 80 countries. Additionally, owners can rent their points to help finance any vacation around the world. Visit DVC Shop Rentals more information about rental pricing or to ask a rental expert any additional questions you may have about the rental process.

Recommended Reading: Kapalua Maui Hawaii Vacation Rentals

How To Apply To The Dvc

If you decide to become a DVC member, you should know that you cant apply online. Instead, you have to apply to DVC by talking directly with a Disney customer service representative. You can do so in-person on a tour of a DVC property, through a personalized virtual tour led by a cast member or by calling 1-800-500-3990.

Resale Vs Direct Its All About The Money

The reason people look at buying resale is because theyve heard or seen that its a cheaper way in to DVC ownership. And they are correct. Buyers can save anywhere from 35-50% compared to buying direct from Disney. For most people this is a savings of several thousand dollars which is extremely appealing.

Right now a buyer can purchase 100 point contract from Disney for about $20,000 plus closing costs. A 100 point contract, depending on how you use it, can get you a week or so in a studio at most resorts. You may have some points leftover, maybe not.

Compare that to a resale contract on the market right now, 100 points, is going anywhere from $12,500 up to $18,000. Keep in mind that the higher costing ones are usually at resorts that are no longer for sale or are brand new to DVC.

My most recent experience with DVC vs. Resale was an addition to my Aulani contract where I wanted to add 100 points. I visited my DVC rep and he told me that he could add on the points, give me this years points and last years points, that they would be in my account for use the next day and it would cost me $20,000 plus closing. Now a few things to point out: First, when I say this years points and last years points, essentially whats happening is Im getting 100 points from 2021 and 100 points for 2022. My contract is still only 100 points each use year.

So lets break down this entire scenario for a comparison:

Buying Direct

Buying Resale

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How To Sell Dvc

DVC Sales is here to help make selling Disney Vacation Club memberships easy! The first step is to create an account with DVC Sales. Well need some basic information about you and your contract and youll have your DVC points listed within about 5 minutes. We have several hundred visitors to our site daily and most contracts sell within about 30 days depending upon Home Resort, size of membership and current availability of points. We have a Resale Value Calculator to assist you in selecting an appropriate price for your contract on the resale market, and were here to help every step of the way. Once you reach an agreement with a buyer, it takes about 45 days to close on the sale. Our motive throughout the DVC resale process is to match the interests of both buyers and sellers. Our motive throughout the DVC resale process is to match the interests of both buyers and sellers.

Direct Dvc Membership Benefits

DVC Resale Financing – Virtual Tour Video 12

Buying directly from Disney offers all of the benefits available to DVC members. However, Disney has put a rule in place that to get these benefits, the contract must have at least 100 points in the contract. These DVC benefits include:

  • Disney Cruise Line
  • Can book stays through RCI and Buena Vista Trading company
  • Get in early to parties 2pm instead of 4pm
  • Read Also: Holiday Inn Club Vacations Resale

    Peter G Colonel Usaf Ret

    Talk about luck of the draw Mark was the sales associate I met on my 2012 trip to Disney. I was a little interested in DVC and Mark told me all about it. He explained it perfectly, answered all my questions and gave me lots of options. I never felt pressured and trusted him right away. A few years after my initial purchase, I decided to buy some more points and talked directly with Mark. Again, he listened to me and provided some options. You see, Im a caregiver and have been for almost 10 years now. DVC gives me the opportunity to get away and I absolutely love it! When Mark said he was going to go out on his own with resale, I was ecstatic! I knew I had someone to talk to about more points if I wanted them and if I ever did want to sell in the future, I would have someone I could trust. I worked with the website, checked out what was available, talked to Mark and sure enough Im getting more points! This has been a magical? experience and I hope one that will continue for years to come. Thanks for everything, Mark. I wish you nothing but success.

    About Vacation Club Loans Llc

    Vacation Club Loans serves the United States and Canada to those who wish to purchase vacation ownership points. Its easy loan approval process and flexible payment plans for up to seven years have made it a pioneer lender in timeshare resales across all brands. For further information, email or visit

    Read Also: How Much Is Vacation Rental Insurance

    Current Annual Cost Of Disney

    This may be the easiest part of the equation. You simply add up your current annual cost of Disney trips. You most definitely want to include reservations. And we highly recommend you also add in dining costs, theme park tickets and more. This will be one side of the equation. The following costs are your costs after becoming a DVC member.

    Financing Your Dvc Resale Contract

    Disney Vacation Club Price Increases Coming This Week

    Financing your Disney Vacation Club resale contract is one option that many people consider. While it’s always more cost-efficient to pay cash for your contract, for many people financing makes sense, especially when considering a Disney Vacation Club purchase. There are several companies that offer timeshare financing, but for the purposes of this we’re highlighting those we work with most often, and have found to be reputable. Please note: Rates quoted below subject to change based on credit score and fluctuations in the market.

    Read Also: How To Pay For Disney Vacation

    Who Is The Best For Financing A Dvc Resale

    DVC-Trivia Contest, Apr-2006: Honorable Mention

    ontheuptick said:I didn’t want to reply and be “that guy” in this thread – but the real answer is NO financing company is smart for DVC. If you don’t have the cash, don’t buy it. End of story. Set aside that money each month instead of making a payment, and then pay cash for the contract in 5 years.

    $2.29 per use point

    Disney Vacation Club Direct

    To purchase a Disney Vacation Club contract directly, you will need to contact Disney Vacation Club. This can be done several ways: through their website, in Disney theme parks, at DVC Resorts, at Disney Springs, and on Disney Cruises. All you need to do is look for the Disney Vacation Club sign, and a representative should be working onsite and can help you. If you stop at the DVC Resort you are interested in buying with, the representative can show you the rooms for that resort. I recommend calling ahead and setting up a tour. If you are unsure which Disney Vacation Club resort you are interested in, you can always stop by Saratoga Springs. They have a Disney Vacation Club preview area where you can see rooms from each resort.

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    How Does Disney Vacation Club Work

    What is Disney Vacation Club exactly? And how does it work? Well, its Disneys version of a timeshare essentially. You buy in with an initial contract that has a certain amount of points that you get each year at a Deluxe Disney Resort until the deed on your contract expires. Deed expiration dates vary per resort and we discuss more in depth below.

    You get access to book at any of the Disney Vacation Club resorts at 7 months, but your home resort is where you get top priority to book at 11 months out from your trip. The timeshare also includes a use year. The use year is the month in which you receive any new points for the year. For example, if you have a 200 point Animal Kingdom contract with a use year of December, then every December you get 200 points to use. You will also have to have used your 200 points by the next November 30. If you plan to borrow or bank points, you will need to do that at certain times of the year depending on your use year. Check out our Use Year guide for more details.

    A Quick Guide To Points Usage:

    Financing Your DVC Contract | The DVC Show
    Whats the right number of points for you and your family?

    That can vary based upon your travel preferences, such as season, favorite resort, size of accommodations, and length of vacation. DVC offers so many options and such great flexibility that booking different trips every year is easy.

    The more points you have in your membership, the more options you have. Fortunately, buying DVC resale makes it possible for you to purchase more points than buying direct. Disney Vacation Club offers such great flexibility, your limited only by the number of points you have available.To determine how many points are right for you and your family, reach out to the Guides at DVC Resale Experts. Were happy to help!

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    Dvc Resale: A Guide To Dvc Membership For Less

    Having been a DVC owner for over 8 years, Ive learned quite a bit about the DVC membership world. Ive been studying the DVC Resale market for longer than Ive been a member and have seen how its grown and evolved over the years. More on that in a minute. I want to briefly tell you my introduction to the Disney side of purchasing DVC.

    I started out like most people by taking a DVC tour from an associate in the parks. It started as a casual conversation and then, with some convincing of free Fastpasses and ice cream I decided to go with them to see a model. I was at Walt Disney World at the time so I ended up at Saratoga Springs Resort.

    After a tour of several villas and a showing of all the resorts that DVC offered, I entered the room of despair. After several times of saying no I was finally set free and sent back to the parks to enjoy the rest of my day.

    For most people, this is a pretty common experience except for one part: saying no. Most people end up saying yes only to regret it later. And this is where the DVC Resale market comes into play. Luckily for me, I had already looked into the resale market before taking my official DVC tour and knew some of its benefits and price points.

    So after having gone through the timeshare scenario with Disney, I knew that buying resale was the best option for me. And this is going to be true for most people.

    Lets pause here and look at some FAQs you might have about DVC Resale:

    Other Expenses And Benefits

    Remember that the cost of accommodations is actually a small fraction of the overall cost of a vacation. Walt Disney World annual passes for a family of four cost over $5500 in 2021. Meals for a 10-day vacation can easily run $1800 or more for a family. Then you have to account for airfare , souvenirs, bottled water, extra ticketed events such as Mickeys Very Merry Christmas Party, and so on.

    DVC members do qualify for some discounts that may help with these additional vacation expenses . They are eligible for the Sorcerer Pass at Walt Disney World, which doesnt cover Christmas and Thanksgiving, but costs around $400 less per person, and they get get some restaurant and merchandise discounts . Also, the villas have full kitchens, which could help a bit with the costs, since some meals can be made in the unit.

    DVC members and their guests may choose to purchase a Dining Plan when staying on points at a Walt Disney World DVC resort. The Dining Plans are available to the general public only as part of a vacation package, so this is a nice benefit for those DVC members who like the Disney Dining Plans.

    Another DVC benefit: you dont pay extra when more than 2 adults are staying in one DVC unit. This is true whether you use your own points, rent points or pay cash. By contrast, the Disney resort hotels charge extra if you have more than 2 adults in a room. Depending on the ages of the people in your group, this may save you a bit.

    Also Check: How To Shop For All Inclusive Vacations

    Dues Increases Vs Resort Rate Increases

    The effect of annual dues increases on the total cost of DVC membership must be considered. One issue to keep in mind is that Disney can increase dues significantly from year to year, subject to a limit of 15% each year and a requirement to charge only for the actual operating expenses and reasonably expected necessary reserves.

    A portion of your dues is allocated to a capital reserve fund for major refurbishments. Adjustments are always possible if the projected reserve needs vary from actual experience, although Disney has been in lodging business for many decades and has considerable experience in what long-term costs to expect. Special assessments are possible if something unforeseen occurs .

    Here are some examples of historical increases:

    • Old Key West Resort, the oldest of the DVC resorts had dues of $2.51 in 1991 and had dues of $7.84 in 2020. That means it has averaged a 3.87% increase, compounded annually.
    • BoardWalk Villas went from $3.70 in 1996 to $7.37 in 2020, an average annual compounded increase of 2.79%.
    • Boulder Ridge Villas at Wilderness Lodge went from $3.62 in 2000 to $7.78 in 2020, an average annual compounded increase of 3.71%.

    Keep in mind, though, the cash cost of staying in one of Disneys resort rooms has also gone up significantly over time, and the cash cost of a resort room starts out much higher than the dues for an equivalent stay. Like the DVC resort dues increases, the rate increases at the Disney resort hotels are not consistent. For example:

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