DVC Resale Financing: The Complete Buyer's Guide
Everything you need to know about financing a Disney Vacation Club resale purchase — how ROFR works, what lenders look for, and how DVC Loans gets you to the closing table.
What Is DVC Resale Financing?
DVC resale financing is a loan used to purchase a Disney Vacation Club membership on the secondary market. When you buy a DVC contract from another owner through a licensed resale broker, you are purchasing a deeded real estate interest — a timeshare ownership stake in one of Disney's vacation club resorts.
Because DVC memberships are deeded real estate, the DVC contract serves as collateral for the loan. Most banks and credit unions have no experience with DVC contracts, which is why resale buyers need a lender that specifically works with DVC.
Important: Disney's own financing is only available for contracts purchased directly from Disney at full retail price. Resale buyers — who typically pay 30–50% less — must use a third-party lender. DVC Loans exists specifically for this purpose.
Why DVC Resale Beats Buying Direct
Buying DVC on the resale market instead of direct from Disney is one of the largest financial advantages available to a DVC buyer. The same points at the same resort cost significantly less — and the financing is more flexible too.
30–50% Lower Purchase Price
Resale buyers purchase the same points at the same resort at a fraction of Disney's retail price.
Lower Monthly Payment
A smaller loan balance at a competitive rate means significantly lower monthly payments than Disney financing.
Same Usage Rights
Resale members book the same rooms at the same 11-month and 7-month booking windows as direct buyers.
No Prepayment Penalty
Pay off your DVC Loans balance anytime without penalty.
Disney's in-house financing is only available if you buy direct at full retail price. If you buy resale — the smart financial move — you need a lender like DVC Loans. We handle the entire loan and coordinate with your title agent so closing is seamless.
How ROFR Works with Resale Financing
ROFR stands for Right of First Refusal. Disney holds a contractual right to repurchase any DVC resale contract at the exact price and terms the buyer and seller agreed to. Every DVC resale transaction must clear this process before closing.
Disney reviews each contract and either waives its right (the sale proceeds) or exercises its right (Disney buys the contract, which is rare). Disney waives the large majority of ROFR submissions.
Contract Signed
Buyer and seller sign a purchase contract through a licensed DVC resale broker.
Apply to DVC Loans ← Apply Here
Apply immediately after signing. Approval comes through the same day so your financing is ready and waiting.
ROFR Submitted to Disney
The resale broker submits the signed contract to Disney's ROFR department. Disney has 30 days to respond.
Disney Waives ROFR
Disney passes on the contract. Your loan is already approved, your title agent has the paperwork ready.
How We Close a DVC Resale Purchase
The only real wait in a DVC resale closing is ROFR — that's Disney's process, not ours. DVC Loans approves your loan the same day you apply, and your title agent handles all the paperwork as part of the standard closing. When ROFR passes, you're ready to close.
Apply right after signing your contract. We issue your loan approval the same day, Monday through Friday.
Your title agent submits the contract to Disney. We wait. Disney waives the vast majority of submissions.
Your title agent handles the closing paperwork. DVC Loans funds the loan. You become a DVC owner.
How to Qualify for DVC Resale Financing
DVC Loans reviews each application individually. Here are the key requirements.
Credit Score
Minimum FICO 650 required. Borrowers with higher scores typically receive better rates. We look at your full credit profile, not just the score number.
Down Payment
10% to 20% of the purchase price, based on your creditworthiness. A larger down payment may qualify you for a better rate.
Income Verification
We verify income to confirm you can support the monthly payment. Required documents are standard: pay stubs and W-2s, or tax returns for self-employed borrowers.
The DVC Contract
We finance active DVC contracts purchased on the resale market. The contract must be in good standing with no delinquent dues.
Not sure if you qualify? Use the instant quote to get a real rate with no hard credit pull. If you don't qualify today, we'll tell you why and what to do about it.
DVC Resale Loan Rates & Terms
Your actual rate depends on your credit profile, loan amount, and term selected. Use the instant quote to see your personalized rate — no hard credit pull required.
The DVC Resale Loan Process
Get a Rate Quote
Use our instant quote tool to enter your purchase price, down payment, credit range, and desired term. We return your estimated rate and monthly payment with no hard credit pull.
Get Your Quote →Sign Your Purchase Contract
Work with a licensed DVC resale broker to find and negotiate a contract. Once it's signed, you're ready to apply.
Apply — Get Approved the Same Day
Submit your application right after signing. We review your file and issue your approval the same day, Monday through Friday. Standard income documents required.
ROFR Pending
Your title agent submits the contract to Disney. We wait together. Your loan is approved and funded; there's nothing left to do on the financing side.
Close When ROFR Passes
Disney waives, your title agent finalizes the paperwork, DVC Loans funds the loan, and the deed is transferred into your name. You are now a DVC owner.
Frequently Asked Questions
Ready to Finance Your DVC Resale Purchase?
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