Vacation Club Loans for Disney Vacation Club Resale Purchases
We're the only direct lender specializing exclusively in vacation club loans for DVC resale buyers. Competitive rates, no broker fees, and closings typically take 45 to 60 days.
What Are Vacation Club Loans?
A vacation club loan is a personal loan secured by a first-position lien on a Disney Vacation Club membership. It's the smart way to buy DVC points on the resale market without using Disney's higher-rate in-house financing or depleting your savings.
First-Position Lien
Your vacation club membership serves as collateral just like a mortgage. This keeps rates low and terms long.
Direct Lender
No middlemen. We underwrite, fund, and service every vacation club loan ourselves. That means better rates and faster closings.
No Prepayment Penalty
Pay off your vacation club loan early at any time. No fees at all. Most buyers pay off in 7–10 years even on 15-year loans.
Simple Qualification
We look at income, credit, and the DVC contract value. Most DVC buyers with decent credit qualify for our vacation club loans.
Vacation Club Loan Rates
Rates vary by credit tier and loan term. Most DVC buyers qualify for the Good–Excellent tiers.
| Term | Excellent Credit | Good Credit | No Check |
|---|---|---|---|
| 5 years | 9.90% | 11.10% | 13.50% |
| 10 years | 11.65% | 12.85% | 15.25% |
| 15 years | 13.40% | 14.60% | 17.00% |
| 20 years | 14.15% | 15.35% | 17.75% |
| 25 years | 14.90% | 16.10% | 17.90% |
Rates are for illustration. Your exact rate depends on credit score, loan-to-value, and DVC resort. Get your personalized quote →
How Our Vacation Club Loans Work
Get a Quote
Use our instant quote tool to see your estimated rate and monthly payment in under 60 seconds.
Apply Online
Complete our secure application. We review income, credit, and the DVC contract details.
Approval
Most vacation club loan decisions arrive within 1–2 business days.
Closing
We coordinate with the title company. Your DVC contract transfers with our lien recorded. Most closings complete in 45 to 60 days from accepted offer.
Vacation Club Loan FAQ
Vacation club loans are personal loans secured by a first-position lien on a Disney Vacation Club membership or similar timeshare contract. They allow buyers to finance a DVC resale purchase without going through Disney's in-house financing program, which carries higher rates and shorter terms.
Yes. That is exactly what we specialize in. DVC Loans provides vacation club loans specifically for resale DVC contracts at all Disney resorts. We finance contracts at Saratoga Springs, Boardwalk, Old Key West, Aulani, Grand Californian, and all other DVC properties.
We have four credit tiers: No Check, Good (640+), Very Good (700+), and Excellent (750+). Borrowers with lower credit scores can still qualify. The rate is simply higher. We also offer a no-credit-check option for buyers who prefer not to have their credit pulled.
We offer vacation club loans starting at $4,000. Most DVC resale contracts fall between $15,000 and $60,000. The loan amount cannot exceed the appraised value of the DVC points.
No. You can pay off your vacation club loan at any time without penalty. Many borrowers choose a longer term for the lower payment but pay it off early. We fully support that.
A vacation club loan is secured by a lien on the DVC membership contract, similar to how a mortgage is secured by real property. Because the loan is collateralized, rates are lower than unsecured personal loans. The lien is recorded with the county and released upon payoff.
Ready to Finance Your DVC Purchase?
Get your vacation club loan quote in 60 seconds. No hard credit pull required for the quote.