The Smartest Way to
Finance Your DVC
Direct Lender for Disney Vacation Club Memberships
Rates from 9.90%. Terms from 3 to 15 years. No prepayment penalty, fast approval.
How It Works
Create Your Account
Before submitting an application, create an account to get started.
Submit Your Application
Complete your application and select financing terms from 3 to 15 years.
Complete Closing Documents
After passing ROFR, our title company will email you the loan and closing documents.
Setup Automatic Payments
Set up ACH direct debit for monthly payments. Manage payments, make extra payments, or pay off your loan anytime.
We're Glad You're Here
Thank you for visiting DVC Loans. We specialize in offering financing for Disney Vacation Club memberships. We are a team of former Disney Cast Members with over 25 years of experience selling directly for Disney. Five years ago, we opened DVC Sales and now have the opportunity to assist both buyers and sellers.
As an obvious extension to our current business, we now have the ability to offer financing to our buyers. Simply select the Instant Quote button above to see our available rates and terms. We have the best in the industry.
Whether you need help buying or selling a DVC membership or financing (or refinancing), we are here to help.
Earn 12-16% Returns on Secured DVC Loans
Private investors earn monthly income on DVC-secured loans. First-position lien, professional servicing, transparent reporting.
Learn More, Private Investor ProgramDVC Financing Options
How DVC Resale Financing Works
When you purchase a Disney Vacation Club membership on the resale market, you lose access to one significant benefit: Disney's in-house financing program. Disney only extends its own financing to buyers purchasing directly through Disney Vacation Development, new, retail-price contracts. That leaves tens of thousands of resale buyers each year searching for an alternative. DVC Loans exists specifically to fill that gap. As a direct lender with deep roots in the DVC industry, we provide purpose-built financing for resale buyers and existing members looking to refinance, without the red tape of a traditional bank that has never seen a DVC deed before.
Loan Terms Built for DVC Members
Our DVC loans are available starting at $4,000, covering everything from a small add-on contract to a large multi-resort membership. Repayment terms run from 3 to 15 years, giving you the flexibility to choose a monthly payment that fits your budget. Rates start at 9.90% APR and are determined by your loan amount, credit profile, and chosen term, all factors you can explore in real time using our Instant Quote tool with no hard credit pull required to get your estimate. We also finance all vacation club purchases, not just Disney resorts.
Why Choose a Direct DVC Lender Over a Bank
General-purpose banks and credit unions rarely have experience underwriting DVC-secured loans. They may not understand the Right of First Refusal (ROFR) process, deed transfer timelines at Orange County's recorder, or how DVC point systems affect collateral value. DVC Loans brings all of that expertise in-house. Our typical closing timeline is 45 to 60 days from accepted offer to funded closing. We charge no prepayment penalties, and every loan we originate is serviced by us. Your payment portal, loan history, payoff requests, and amortization schedule are all available 24/7 through your borrower dashboard. For a full breakdown of rates, collateral requirements, and the step-by-step process, see our DVC financing guide.
Who We Lend To
DVC Loans serves a wide range of borrowers: first-time DVC resale buyers financing their dream membership, current DVC owners who purchased retail and want to refinance into a lower rate, and members looking to add on a smaller contract to expand their points. In all cases, the loan is secured by a first-position lien on the DVC membership deed.
Credit Requirements
We work with borrowers across a range of credit profiles. While stronger credit scores (680+) qualify for our best rates, we evaluate each application holistically, considering income, existing debt load, and the loan-to-value ratio of the DVC contract being purchased.
What Makes a Strong Application
The strongest DVC loan applications combine a solid credit history with a reasonable loan-to-value ratio, stable verifiable income, and a contract being purchased from a licensed resale broker. Having an executed purchase agreement in hand when you apply speeds up underwriting considerably.
DVC Resale vs. Direct Purchase Financing
Understanding the financing landscape is one of the most important steps before you commit to buying a Disney Vacation Club membership. The purchase channel you choose, direct from Disney or on the resale market, determines what financing options are available to you, and the cost difference is substantial.
Buying Direct from Disney
- Purchase price: $220–$265+ per point (retail)
- Disney's in-house financing available (10–14% APR)
- All current DVC resort benefits included
- No ROFR process. Closes in approximately 30 days
Buying Resale (DVC Loans finances this)
- Purchase price: $80–$160 per point (40–60% savings)
- Disney financing NOT available, need a specialist lender
- ROFR: Disney has 30 days to match the price
- DVC Loans: rates from 9.90% APR, terms up to 15 years
The math typically favors the resale route even after accounting for financing costs. A buyer purchasing 200 points at $130/point saves $18,000 versus retail before even considering loan costs. Use our Instant Quote tool or contact us to run a side-by-side cost comparison for your specific situation.
Frequently Asked Questions
Can you finance a DVC resale purchase? +
Yes. That is exactly what DVC Loans specializes in. Disney's own financing program is only available to buyers purchasing directly from Disney Vacation Development. Resale buyers need a third-party lender, and DVC Loans is a direct lender built specifically for this purpose. We finance DVC resale purchases, add-on contracts, and refinances of existing DVC loans.
What credit score do I need for a DVC loan? +
We work with a range of credit profiles. Borrowers with a 680+ FICO score typically qualify for our best rates. Those in the 620–679 range may still qualify at a slightly higher rate. We evaluate all applications holistically, income, debt-to-income ratio, loan-to-value, and the specific DVC contract.
How long does a DVC loan closing take? +
Our typical closing timeline is 45 to 60 days from accepted offer to funded closing, though the total time also depends on how quickly the ROFR (Right of First Refusal) period clears with Disney. We move as fast as the ROFR window allows and keep both the buyer and seller's broker informed at every step.
Are there prepayment penalties on DVC loans? +
No. DVC Loans charges no prepayment penalties. You can make extra principal payments, pay off the loan early, or refinance at any time without any fees.
What's the difference between a DVC loan and a personal loan? +
A DVC loan from us is secured by a first-position lien against the DVC membership deed, just like a mortgage is backed by a home. This allows us to offer lower rates than unsecured personal loans. A secured DVC loan also typically carries a longer term, lowering your monthly payment.
