About Us

About Vacation Club Loans – DVC financing for up to 10 years and timeshare financing all starting at 11.9% and up to 17.9% no matter what your credit score is with our Guaranteed Approval – No Credit Check option.  Loans can be financed for up to 10 years.    

*Mortgage interest is tax deductible and you will receive a 1098.

All loans have NO prepayment penalty after just 90 days.

DVC financing for resales no matter your credit score & direct sales from Disney with good credit as well.

For all other brands of timeshares including Marriott, Hilton, Hyatt, Westin, and more can be financed for up to 5 years.

13.9% guaranteed rate on DVC re-financing for any loan transferred from another lender including Disney direct with a credit score of 650 or better. 

Best Rate Guarantee with Vacation Club Loans:  We are so confident that we can match interest rates from any private DVC lender that we guarantee it! The interest rate must be for the same loan type, amount & payment schedule.  Proof of approval:  An official PDF, letter or screenshot are all acceptable forms of verification.

DVC LOANS FAQ (briefly) see our FAQ page for more:

• All DVC loans have instant approval and once you are approved, you will be approved always!
• $0 loan fees; we waive all loan origination fees at closing. Savings you $199.00 in unnecessary closing costs.
• 10% Down payment.  Or 20% down payment if you choose our No Credit Check Option.
• No prepayment penalties after just 90 days.
• We finance all DVC properties in all 4 states.
• We do not report debt to credit bureaus.
• 24/7 online access to your account; easy automatic ACH payments.
• Loans over $6,000 have terms of up to 10 years.
• Loans under $6,000 have terms of up to 7 years.

Vacation Club Loans is a family-run company with more than 65 years of combined experience in the timeshare industry.  As Disney Vacation Club owners ourselves, we understand the magic and joy it brings to our family trips to their deluxe villas.

Vacation Club Loans was founded in 2016 out of our desire to provide financing to families who would love to travel more, save money on DVC by owning, while providing affordable monthly payment options making it all possible.  Since opening, our business has grown through referrals only by other DCV buyers just like you that experienced “great”, “a joy to work with”, and “so responsive” processes.  (Their words not mine! See our reviews)

We are proud to hold an A+ rating and are members of the Better Business Bureau adhering to the highest ethical standards.

Vacation Club Loans also holds a Consumer Finance License and adheres to all Consumer Financial Protection Bureau laws as well as confidentially laws provided to our US and Canadian borrowers.  Be assured your information is safe and will never be shared by us.  (Please make sure you only work with licensed lenders and if they say, “they don’t need a license”, beware!)

Just getting started – 5-Step DVC Process Infographic

Already have a contract and loan approval  – Next Steps in Buying DVC infographic

HOW THE FINANCING PROCESS WORKS:

DVC Financing is up to 90% of your DVC resale purchase for up to 10 years depending on the loan amount.   All DVC loans have instant approval for any DVC property.

Step 1:  Simply fill out our no-obligation credit application to get approved in minutes:  Secured Credit Application

OR choose our Guaranteed Approval – No Credit Check Option page.

Approvals do not expire so you can shop till you find that perfect DVC contract.

Step 2:  Pick a points package through your resale broker.  We work with the best, licensed and highly skilled DVC resale brokers across the country.  Once you have a contract accepted, we will work directly with your resale broker and title company to get all the loan documents prepared quickly and accurately.

Step 3:  After ROFR (right of first refusal) is waived by Disney, you will receive your closing package from your title company.  Included in this package will be your Mortgage and Loan Documents as we work directly with your title company on your behalf to supply the funds.  Sign and have notarized!  Then return originals to the title company.

Step 4:  Once the title company has all signed, notarized originals back they notify us, and we electronically wire the funds the very same day so you can close quickly and easily!

Step 5:  Welcome Home!  Look for your confirmation email at closing the same day.

Marriott, Hilton, Hyatt and Westin brands also qualify for our low-interest of just 11.9% and up to 17.9% rate for up to 5 years!

Meet the Lending Experts

Debbie Ely

President

Debbie’s Story In 2016, Debbie Ely launched Vacation Club Loans to improve the resale market by offering affordable financing options to DVC resale…

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Chris Golden

Loan Officer

Chris’s Story As the loan officer here, it has been my pleasure to have processed thousands of Disney Vacation Club…

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