Frequently Asked Questions

DVC Loans provides financing specifically for Disney Vacation Club resale purchases. Once you find a contract you want to buy, you apply through our simple online process. We review your application within 24 hours. Once approved, we prepare your loan documents and coordinate with the title company to close your purchase — typically within 45 days.

Our interest rates range from 9.9% to 17.9% APR depending on factors like your credit profile, loan amount, down payment, and loan term. You can see your estimated rate instantly using our Instant Quote calculator — no credit check required for pre-qualification.

Down payments start as low as ,000, excluding closing costs and annual dues reimbursement. The larger your down payment, the lower your monthly payment and the better your rate may be.

We offer loan terms from 3 to 12 years. Shorter terms mean higher monthly payments but less total interest paid. Longer terms lower your monthly payment but increase total interest. Our Instant Quote calculator lets you compare different term options side by side.

No. You can make extra payments or pay off your loan early at any time with absolutely no prepayment penalties. Many borrowers make additional principal payments to pay off their loans faster and save on interest.

Monthly payments are made via ACH (Automated Clearing House) direct debit from your bank account. After closing, you'll set up your bank account through our secure borrower portal. Payments are automatically debited each month on your scheduled payment date.

ROFR stands for Right of First Refusal. Disney has the right to review every resale contract and can choose to purchase it at the agreed price within 30 days. If Disney passes (which happens most of the time), your purchase proceeds to closing. If Disney exercises ROFR, your deposit is refunded in full.

No credit check is required for pre-qualification. You can use our Instant Quote calculator and submit an application without any impact to your credit score. A credit check is only performed after you formally agree to move forward with a loan.

From application to closing, the typical timeline is about 45-50 days. Application review takes about 24 hours. If approved, we prepare loan documents within a few days. The remaining time is spent on the ROFR process with Disney (30 days) and closing document preparation by the title company.

We offer a grace period on all loans. If payment is not received within the grace period, a late fee is applied. If you're experiencing financial difficulty, please contact us as early as possible — we work with borrowers to find solutions before accounts become seriously delinquent.

Yes! If you currently have a DVC loan with another lender at a higher rate, you may be able to refinance with us at a lower rate. Use our Instant Quote calculator and select "Refinance" to see your estimated new payment.

All closings are handled by a licensed and insured attorney-owned title company. They manage the closing documents, deed transfer, and coordinate with Disney to complete the membership transfer. The entire process can be done online from anywhere.

You will sign a promissory note, loan agreement, mortgage/deed of trust, ACH authorization, and borrower disclosure. All documents are signed electronically through our secure portal — no printing, scanning, or mailing required.

Absolutely. We use industry-standard encryption and security protocols to protect your personal and financial information. We never share your information with third parties. All payment processing is handled through Stripe, a PCI-compliant payment platform.