DVC Financing: Your Complete Guide to Disney Vacation Club Loans
Competitive rates, fast closings, and DVC expertise you won't find at a bank. We've financed thousands of Disney Vacation Club resale purchases.
What Is DVC Financing?
DVC financing — also called a Disney Vacation Club loan — is a specialized real estate loan used to purchase a Disney Vacation Club membership on the secondary (resale) market. When you buy a DVC contract resale through a licensed broker, you are purchasing a real estate interest (a deeded timeshare) in one of Disney's vacation club resorts. This means traditional mortgage lenders treat it like real property, and you need a lender familiar with the DVC resale process.
Here's the critical thing most buyers don't know: Disney's own in-house financing — offered through Disney Vacation Development — is only available for direct purchases from Disney. If you're buying resale (which can save you 30–50% off the retail price), Disney will not finance your purchase. You need a third-party DVC lender.
DVC Loans is a direct lender specializing exclusively in Disney Vacation Club financing. We understand the ROFR (Right of First Refusal) process, the resort deed structures, and the DVC closing timeline — which means we can move faster and more smoothly than a general-purpose lender who has never touched a DVC contract before.
Whether you're purchasing your first DVC contract, adding points to an existing membership, or refinancing a high-rate loan you took out elsewhere, DVC financing through DVC Loans gives you competitive fixed rates, flexible repayment terms, and a lender who speaks the language.
DVC Financing Rates & Terms
Every buyer's situation is different. Here's a look at the range of loan structures we offer — your actual rate depends on credit score, loan-to-value, and term length.
Fixed vs. Variable: All DVC Loans products carry a fixed interest rate. Your rate is determined at closing and never changes for the life of your loan. This gives you a predictable monthly payment no matter what the market does — an important benefit when you're planning years of vacation use.
DVC Resale Financing vs. Disney Direct Financing
Most DVC buyers are surprised to learn that Disney's financing program isn't available for resale purchases. Here's how the two options compare.
| Feature | Disney Direct Financing | DVC Loans (Resale Financing) |
|---|---|---|
| Available for resale purchases? | ✗ No — direct only | ✓ Yes — resale & refinance |
| Typical interest rate | ~10–13% APR (Disney's posted rate) | From 7.99% APR (based on credit/LTV) |
| Loan amounts | Varies — tied to Disney's retail price | $10,000 – $150,000 |
| Loan terms | Up to 10 years | 5 to 30 years |
| Price you pay for the contract | Full retail price (Disney sets the price) | Resale price — often 30–50% below retail |
| Prepayment penalty | May apply — check your agreement | ✓ None |
| Application process | In-person at Disney sales presentation | Online, takes ~5 minutes |
| Who can use it | Only buyers purchasing directly from Disney | Any qualified buyer — resale or refinance |
The bottom line: Buying resale and financing through DVC Loans typically means you pay 30–50% less for the same points at the same resort — while often getting a lower interest rate than Disney's in-house program. Over a 10-year loan, the combined savings can exceed $20,000 on a 200-point contract.
How to Qualify for DVC Financing
DVC financing has straightforward qualification criteria. Here's what lenders look at when reviewing your application.
Credit Score
Typically 620 or higher. Scores above 680 qualify for our best rates. We look at your full credit profile, not just the score — so a good payment history can work in your favor even if your score is near the minimum.
Down Payment
Typically 10–20% of the purchase price. A larger down payment (20%+) improves your loan-to-value ratio and can unlock a lower rate. Some scenarios may require more based on the property and your credit profile.
Income & Employment
We verify steady income through pay stubs, W-2s, or tax returns (2 years for self-employed). We look at your debt-to-income ratio to confirm the monthly payment is manageable alongside your existing obligations.
Loan-to-Value (LTV)
We lend up to 80–90% of the contract's appraised or purchase price, whichever is lower. Keeping your LTV below 80% typically qualifies you for the best rates and terms.
Property Requirements
The DVC contract must be a deeded Disney Vacation Club resort interest in good standing, with maintenance fees current. We finance contracts at all Disney resort locations — from Saratoga Springs to Aulani Hawaii.
U.S. Residency
Currently we lend to U.S. residents and citizens. International buyers should contact us to discuss options — in some cases we can work with international buyers who have U.S.-based income or assets.
Not sure if you'll qualify? Try our instant quote tool — it gives you a realistic rate estimate in under a minute with no credit check.
Check Your Rate — No Credit CheckThe DVC Loan Process
From submitting your application to funds arriving at closing — here's exactly what to expect and when.
Instant Quote & Application
Start with our instant quote tool to see your estimated rate, monthly payment, and closing costs based on your contract size and desired term. When you're ready to move forward, submit a full application online. We'll need your contact info, employment details, income, and basic loan parameters.
Document Collection & Underwriting
Our underwriting team reviews your application within 24 hours. You'll receive a document checklist via email. Once we have everything, we issue a loan approval letter — which you can share with your DVC resale broker.
- Government-issued photo ID
- 2 most recent pay stubs
- Last 2 years of W-2s (or tax returns if self-employed)
- Recent bank statements (last 2 months)
- Copy of the DVC purchase contract
Disney ROFR Waiting Period
Disney has the Right of First Refusal on all resale contracts — they get 30 days to decide whether to match the buyer's offer and repurchase the contract. Most contracts pass ROFR within 3–4 weeks. We monitor the status with your broker and prepare loan documents in parallel so we're ready to close the moment ROFR passes.
Closing & Document Signing
Once ROFR passes, the title company coordinates closing. You'll sign loan documents electronically — no printing, mailing, or in-person visit required. We wire funds to the title company on or before closing day.
Funding & ACH Setup
Funds are disbursed to the seller. Your DVC deed is recorded in the county where the resort is located. You'll receive access to your borrower portal to set up ACH autopay for your monthly payments. That's it — your DVC membership is active and your loan is live.
Why Choose DVC Loans as Your DVC Lender
There are other ways to finance a DVC contract — personal loans, home equity, banks. Here's why DVC buyers choose us instead.
Direct Lender — Not a Broker
We are the lender, not a middleman. That means no broker fees, no third-party markups, and a faster approval process. You deal directly with the team funding your loan.
DVC-Exclusive Expertise
Our team comes from the DVC world — former Disney Cast Members and DVC resale professionals. We know ROFR, deed restrictions, use year implications, and how resort-specific quirks affect financing.
Competitive Rates from 7.99%
DVC resale financing rates at banks and credit unions often exceed 12–15% because they treat it as a timeshare loan. Our rates start at 7.99% APR because we understand the asset and price accordingly.
No Prepayment Penalties
Pay off your loan early whenever you want — no penalties, no fees. Many DVC buyers sell points, inherit money, or refinance within a few years. We'll never penalize you for that.
Fast Closings — ~30 Days
After ROFR passes, we're ready to close within days. Because we specialize in DVC, we don't waste time trying to understand the product. Your loan is set up and ready to fund the moment title clears.
Online Application & Portal
Apply in minutes online, sign documents electronically, and manage your payments through our secure borrower portal. No office visits required — though our team is always available by phone.
See Your DVC Financing Rate in 60 Seconds
No credit check. No commitment. Just an honest, personalized rate estimate based on your contract details.
DVC Financing FAQ
Yes. DVC resale purchases are financed just like other real estate — with a loan secured by the deeded interest in the resort. DVC Loans specializes exclusively in this type of financing. Keep in mind that Disney's own financing program is NOT available for resale purchases; you need a third-party lender like DVC Loans.
We typically require a minimum credit score of 620. Borrowers with scores of 680 or above qualify for our most competitive rates. A lower score doesn't automatically disqualify you — we look at your full credit profile, income, and down payment as well. If your score is below 620, it's worth contacting us to discuss your situation.
We lend from $10,000 up to $150,000. The amount you can borrow depends on the purchase price of the contract, your down payment, and your income. Most DVC resale contracts range from $15,000 to $100,000 depending on the resort, use year, and number of points — so our loan range covers the full spectrum of common transactions.
The loan approval process itself takes 1–3 days once we have your documents. The total closing timeline is typically 30–45 days — most of that time is the Disney ROFR (Right of First Refusal) waiting period, during which Disney decides whether to repurchase the contract. Once ROFR passes, we can close within a few business days.
Disney Vacation Club contracts are technically deeded timeshare interests, but they're structured differently from traditional timeshares — they're points-based, transferable, and backed by real property. A DVC loan is a real estate loan secured by that deeded interest. This is different from an unsecured personal loan (which some timeshare lenders use), and it's why our rates are more competitive than what you might find at a timeshare finance company.
We typically require 10–20% down. A 20% down payment gives you the best loan-to-value ratio and usually results in the lowest rate. Some borrowers put down more to lower their monthly payment or reduce the loan amount. We do not offer 100% financing — some equity contribution from the buyer is always required.
Yes — refinancing is one of the most common reasons borrowers come to us. If you financed your DVC purchase at a high rate (through Disney or a personal loan), refinancing with DVC Loans can significantly reduce your monthly payment and total interest paid. The process is similar to a new purchase loan but typically faster since ROFR doesn't apply to refinances.
We finance contracts at all Disney Vacation Club resort locations, including Bay Lake Tower, Boardwalk Villas, Saratoga Springs, Animal Kingdom Villas, Old Key West, Wilderness Lodge, Grand Californian, Aulani Hawaii, Riviera Resort, Grand Floridian, Beach Club Villas, Copper Creek, Boulder Ridge, and Polynesian Villas & Bungalows. If you're unsure about a specific property, contact us.
Related reading: Can You Finance a DVC Resale Purchase? Everything You Need to Know
Ready to Finance Your DVC Dream?
Thousands of DVC members have used DVC Loans to make their Disney Vacation Club purchase more affordable. Start with a no-obligation instant quote or jump straight into our 5-minute application.
Questions? Call us at (407) 205-1435 or send us a message.
DVC Loans is not affiliated with, endorsed by, or sponsored by The Walt Disney Company or Disney Vacation Club. All loan products are subject to credit approval. Rates and terms subject to change.