If you are buying a Disney Vacation Club resale contract, financing is one of the first decisions you need to make. For most resale buyers, a DVC direct lender is the strongest option.
Why Disney Will Not Finance Your Resale Purchase
Disney offers financing through their own program, but only for contracts purchased directly from Disney Vacation Development at retail prices. If you are buying resale, that option is unavailable from the start. You save on the per-point purchase price when buying resale, but you need to arrange your own financing to do it.
Your Financing Options
DVC Direct Lenders
A direct lender like DVC Loans exists specifically to finance Disney Vacation Club resale purchases. Because the loan is secured by a first-position lien on the DVC deed, it qualifies as a real estate secured loan rather than a personal loan. That distinction matters for rates. DVC Loans currently starts at 9.90% APR, with terms from 3 to 15 years depending on the resort and a minimum financed amount of $4,000. There are no prepayment penalties.
The practical advantage of using a lender who specializes in DVC is that they already understand the product. A specialist lender understands how the Right of First Refusal (ROFR) process works, what a use year is, and what to expect from loaded contracts, subsidized dues at Aulani, and deed recordings at Orange County. A general bank will need to learn all of this from scratch, which adds time and risk to the closing process.
Home Equity Loan or Line of Credit
If you own a home with equity, a home equity line of credit or a home equity loan can offer competitive rates. The interest may also be tax deductible depending on your situation and how you use the funds. The catch is timing. Approval can take four to six weeks, and DVC resale closings typically run 45 to 60 days from accepted offer to funded closing. You also put your home up as collateral rather than the DVC contract itself, which is a more serious commitment.
Personal Loan from Your Bank
An unsecured personal loan is fast and simple to apply for. Rates run higher than secured options because the lender has no collateral. Most banks also cap personal loan amounts below what some DVC contracts require. For smaller add-on contracts this route can work well. For larger purchases, a DVC-specific lender will typically offer better terms.
Cash
Paying cash avoids interest. For some buyers this is the right call. It is worth considering that liquidating investments can trigger capital gains taxes, and the opportunity cost of that capital matters. Whether cash beats financing at 9.90% depends on what you would otherwise do with the money.
What to Look for in a DVC Lender
Not every lender who advertises DVC loans actually specializes in them. Before you apply anywhere, ask how many DVC loans they close per year, whether they understand ROFR, and whether they have experience with the title companies these transactions use. A lender doing DVC loans for the first time will slow your closing and may not know how to handle a complication when one comes up.
DVC Loans finances contracts at all Disney Vacation Club resorts. You can get a rate estimate in about 60 seconds at our instant quote tool without a hard credit pull. That gives you a clear picture of your payment options before you make an offer on any contract.
Frequently Asked Questions
Can I get pre-approved before finding a contract?
Yes. Getting a rate estimate first tells you exactly what you can afford and signals to sellers that you are a ready buyer. That matters in a competitive resale market where multiple buyers are often interested in the same contract.
Does the lender I use affect ROFR?
No. Disney evaluates ROFR based entirely on the price per point in the contract. Your financing arrangement is not part of that decision.
What credit score do I need?
DVC Loans works with borrowers across a range of credit profiles, including a no-credit-check option. Rates are lower for borrowers with stronger credit. Contact us to discuss what is available for your specific situation.