Timeshare Financing and Frequently Asked Questions

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Do you offer interest rate discounts on DVC financing?

Yes, we offer interest rate discounts on DVC financing. Interest rates start as low as 11.9% with excellent credit for up to 10 years and all DVC loans are guaranteed approval.

Due to the special relationships we have with DVC resale brokers, and we are DVC owners too, so we fully understand the whole process, which has made us the highest reviewed lender in the industry!

Our lowest rates for ten-year loans are the best in the industry with only 10% down payment (20% down for our No Credit Check option). Loans over $6,000 can be financed for 120 months while loans under $6,000 can be financed for 84 months.

We happily offer interest rate discounts on DVC financing based on credit scores:


INTEREST RATES BASED ON
10 YEARS / 120 MONTHS
		RATE
800-850	CREDIT SCORE	11.9%
700-799	CREDIT SCORE	13.9%
600-699	CREDIT SCORE	15.9%
599 or less & NO Credit Check Option		17.9%

We can now offer terms of 10 years (120 months) for any loan over $6,000 thus making your monthly payment even lower. A mortgage will be recorded so ask your CPA if mortgage-interest may be taken as a deduction!

For loans of less than $6,000 the maximum term is 7 years (84 months) still keeping your payment low!

See our easy, payment calculator here: Rates and Calculator

** Vacation Club Loans does not collect 30 days of prepaid interest at closing like other lenders.

Do you charge a prepayment penalty if I pay my loan off early?

We do not charge prepayment penalties AFTER 90 DAYS. You pay interest only on the principal amount you borrowed, for the length of time you borrowed it.

We can now offer terms of 10 years (120 months) for any loan over $8,000 thus making your monthly payment even lower at the same low-interest rate.

For loans of less than $8,000 the maximum term is 7 years (84 months) still keeping your payment low!

How much of a down payment do I have to come up with?

Put as little as 10% down! You can choose how much to put down with Vacation Club Loans and what interest rate you want:

	INTEREST INTEREST RATES RATES		DOWN PAYMENT
FICO Credit Score	1 to 7 Year terms	8 to 10 year terms
800 – 850	11.9% APR	11.9% APR	10% down
700 – 799	13.9% APR	13.9% APR	10% down
650 – 699	14.9% APR	14.9% APR	10% down
600 – 649	15.9% APR	15.9% APR	20% down payment required
	No Prepayment Penalties on All Loans

How much can I finance?

DVC Financing no longer has a minimum or maximum limit; and ALL DVC loans are approved.

You can borrow as little as $1,000.00 and the maximum is determined by debt to income ratio plus credit score. Normally a maximum is $50,000.00 but larger contracts have been quickly approved based on higher-end credit scores.

We can now offer terms of 10 years (120 months) for any loan over $8,000 thus making your monthly payment even lower.

For loans of less than $8,000 the maximum term is 7 years (84 months) still keeping your payment low!

How long can I finance?

We can now offer terms of 10 years (120 months) for any loan over $6,000 thus making your monthly payment even lower.

For loans of less than $6,000 the maximum term is 7 years (84 months) still keeping your payment low!

Do you offer discounted interest rates to Hyatt Residence Club buyers?

Yes. Our normal annual percentage rate is 13.9% however; due to special relationships we offer a 2% discount making a Hyatt buyer’s interest rate only 11.9% with excellent credit.

Will my interest rate ever go up throughout the term of the loan?

No. Your interest rate is locked in even if national interest rates go up later on.

DISNEY VACATION CLUB	INTEREST INTEREST RATES RATES		DOWN PAYMENT
FICO Credit Score	1 to 7 Year terms	8 to 10 year terms
800 – 850	11.9% APR	11.9% APR	10% down
700 – 799	13.9% APR	13.9% APR	10% down
650 – 699	14.9% APR	14.9% APR	10% down
600 – 649	15.9% APR	15.9% APR	20% down payment required
	No Prepayment Penalties on All Loans

How do I apply for a loan?

Fill out our SOFT credit application here on our secured website under “apply now”. If you need any assistance please call us at 1-800-334-2334 and we can do your application over the phone too.

How do I know if I am approved?

All DVC loans are approved and we finance all brands of timeshares too!

You will be notified immediately by phone and by a secured email, both. We approve credit applications immediately during business hours.

Do I apply for a loan before I make an offer on the Vacation Club contract first?

That is up to you. You can apply for a timeshare loan first and know ahead of time what you qualify for. Learn your interest rate and payments you will have based on an amount beforehand. This is being a well informed shopper.

Or if you prefer, you can find your vacation club interest first and apply later. It’s all up to you and we’re ready to help when you need us.

Approvals do not expire so we recommend locking in your rate now!

When are the funds sent to my escrow agent or title company?

Immediately. Upon receiving notification from the escrow agent or title company that all your closing and loan documents are signed and you are ready to close, the funds are sent the same day.

Do you offer Re-financing for DVC?

Yes, we offer refinancing for your existing DVC loan! For a limited time, we are offering our lowest rate of 13.9% APR GUARANTEED on all transferred loans from a competitor including Disney direct buys. Refinancing can save you thousands of dollars in interest and is treated just like a regular loan. Once you are approved, we will send you new loan documents to sign and return to us. Then we will pay off your existing loan and transfer it to us.

We can now offer refinancing for DVC with terms of 10 years (120 months) for any loan over $6,000 thus making your monthly payment even lower at our 13.9% APR offer.

For loans of less than $6,000 the maximum term is 7 years (84 months).

A one-time recording fee of $400.00 total is payable to refinance to cover county and government taxes.

See our PAYMENT CALCULATOR

Can I access my account online?

Yes. You can access your account information online 24/7. After closing, you will be set up with an online account that only you have access to.

To access your Disney Vacation Club account go to www.dvcmember.com

How much are the mortgage recording fees?

Mortgage recording fees are determined by the state the property is located in and none of these fees are kept by Vacation Club Loans. In Florida, the average is $250. In other states like Hawaii and California, it can be approximately $40.00 as they have a higher recording fee. This fee will be fully disclosed 30 days before closing your loan.

Vacation Club Loans does NOT have a loan origination fee, saving you even more!

Vacation Club Loans will not charge you 30 days of interest upfront at closing, like other lenders. This will save you a few hundred dollars over our competitors.

You will know exactly how much you will need to pay at closing ahead of time as the title company will supply you with a closing disclosure statement. This closing disclosure statement lists every fee that the title company charges including recording fees and taxes which go to the state.

Do you finance all DVC Resorts, including those outside of Florida?

Yes, we offer DVC financing at all DVC resorts. We are here for you, our customer, no matter where you choose to buy as your home resort. We handle DVC financing for all 4 states where DVC has properties: Florida, Hawaii, California, and South Carolina. See our Blog for articles on each property.

We can now offer DVC financing at all DVC resorts with terms of 10 years (120 months) for any loan over $6,000 thus making your monthly payment even lower.

For loans of less than $6,000 the maximum term is 7 years (84 months) still keeping your payment low!

Here is a complete list of all DVC financing at all DVC resorts we do:

FLORIDA, HAWAII, SOUTH CAROLINA, AND CALIFORNIA

Bay Lake Tower at Disney’s Contemporary Resort
Boulder Ridge Villas at Disney’s Wilderness Lodge
Disney’s Animal Kingdom Villas
Disney’s Beach Club Villas
Disney’s BoardWalk Villas
Disney’s Fort Wilderness Cabins
Disney’s Grand Floridian Resort & Spa
Disney’s Old Key West Resort
Disney’s Polynesian Villas & Bungalows
Disney’s Saratoga Springs Resort & Spa
Disney’s Vero Beach Resort, Vero Beach, Florida
Aulani, Disney Vacation Club Villas, Ko Olina, Hawaii
Disney’s Hilton Head Island Resort, Hilton Head Island, South Carolina
Disney’s Grand Californian Hotel & Spa, Disneyland Resort in California
Disney’s, The Villas at Disneyland Hotel
Disney’s Riviera Resort
COMING SOON – Reflections – Disney’s Lakeside Lodge
To get an exact quote on DVC financing at all DVC resorts please apply today!

To see our easy, payment calculator: Rates and Calculator

Do you offer discounted interest rates to Marriott Vacation Club buyers?

Yes. Our normal annual percentage rate is 13.9% however; due to special relationships we offer a 2% discount making a Marriott Buyer’s interest rate only 11.9% with excellent credit.

Do you offer discounted interest rates to Hilton Grand Vacation Club buyers?

Yes. Our normal annual percentage rate is 13.9% however; due to special relationships we offer a 2% discount making a HGVC buyer’s interest rate only 11.9% with excellent credit.

How do I access my account after I get a loan?

After we have funded your loan your account will be set up online. To access your loan account 24/7 go to www.myaccountinfo.com and register. You will need your loan number to register for the first time. Concord, our servicing company, provides up to date information regarding your loan. You can also make additional principal-only payments here.

If you do not have your loan number yet please email info@vacationclubloans.com and we will happily provide it to you.

To access your account directly at Disney Vacation Club for points, reservations, annual dues, etc. go to www.dvcmember.com.

Do you finance Disney Vacation Club Development direct purchases?

YES, we finance Disney Vacation Club direct purchases with Disney Development if you choose to buy direct as long as you have a 650 FICO credit score and pay 30% down payment.

We finance all DVC properties, even direct purchases, and our low-interest rates are in high demand starting at 11.9% and up to 15.9%. Since DVC financing is our specialty we can offer the same 70% loan with a 30% down payment paid directly to Disney.

Loans over $6,000 can be financed for up to 10 years; while loans under $6,000 can be financed for up to 7 years at the same low-interest rate.

Simply provide us with a copy of your contract and we will forward your loan documents to you. Once the original loan documents have been received back fully executed and notarized, we will wire the loan funds directly to Disney Vacation Development to close your purchase immediately. Interest rates are based on credit score as usual and you only need a score of 650 to be instantly approved.

Apply now to get approved to finance Disney Vacation Club direct purchases with Disney Development and we can give you an exact monthly payment quote!

Use our monthly payment calculator to determine your monthly payments here: Payment Calculator

To sign in to your Disney Membership account please visit Disney Vacation Club Log In

Do you finance individuals with a credit score of 599 or less?

YES for Disney Vacation Club only. All DVC loans are approved no matter what your score is using our Guaranteed Approval – No Credit Check option.

A down payment of 20% is required and loans are 80% of the purchase. You can also FINANCE Closing Costs with us!

Does my credit score affect my interest rate?

Yes. The better your score the lower your rate.

Your interest rate is based on your credit score, starting as low as 11.9% for DVC and goes up to a maximum of 17.9% no matter your credit score for DVC.

Loans over $6,000 can be financed up to 10 years and loans under $6,000 can be financed up to 7 years.

	INTEREST INTEREST RATES RATES		DOWN PAYMENT
FICO Credit Score	1 to 7 Year terms	8 to 10 year terms
800 – 850	11.9% APR	10.9% APR	10% down
700 – 799	13.9% APR	13.9% APR	10% down
600 – 699	15.9% APR	15.9% APR	10% down
599 or less	17.9% APR	17.9% APR	20% down payment required
	No Prepayment Penalties after Just 90 Days

Do you charge additional monthly fees?

No. We do not charge a monthly account fee as long as the loan is set up on ACH.

What are the total loan origination fees to finance?

Zero, nada, zilch! With Vacation Club Loans there are NO loan fees. Since we do not have a loan origination fee – you save even more!

Title companies and attorney’s closing fees vary so please refer to your contract for these fees.

What are your interest rates?

Timeshare Financing Interest Rates:

Due to special relationships, we happily offer discounts on DVC Financing Interest Rates.

Interest Rates are based on FICO score and down payment:

WITH CREDIT APPLICATION
INTEREST RATES BASED ON
10 YEARS / 120 MONTHS
		RATE
800-850	CREDIT SCORE	11.9%
700-799	CREDIT SCORE	13.9%
600-699	CREDIT SCORE	15.9%
599 OR LESS	NO Credit Check Option	17.9%

We can now offer DVC Financing Interest Rates with terms of 10 years (120 months) for any loan over $6,000 thus making your monthly payment even lower.

For loans of less than $6,000 the maximum term is 7 years (84 months) still keeping your payment low!

MARRIOTT VACATION CLUB, HILTON GRAND VACATIONS CLUB, HYATT RESIDENCE CLUB, AND WESTIN (VISTANA) ALL QUALIFY FOR

Excellent = credit score of 750+ 13.9%

Good = credit score of 700 – 749 15.9%

Fair = credit score of 650 – 699 17.9%

ALL OTHER BRANDS

Rates are based on the borrower’s credit score below for all Non-Brand Resorts:

Excellent = credit score of 750+ 15.9%

Good = credit score of 700 – 749 16.9%

Fair = credit score of 650 – 699 17.9%

Can I buy points or a timeshare directly through Vacation Club Loans?

Need a resale broker? Just call us as we work with the industries best, licensed timeshare real estate brokers who specialize in points packages and timeshares.

We are a consumer finance company specializing in loans to buy points packages and timeshares. This includes DVC, Marriott Vacation Club, Hilton Grand Vacation Club, Hyatt, Westin, and all other quality brands.

All timeshare brands are approved around the world, however, you as the buyer must be a US citizen and have a US bank account.

Call us today at 800-334-2334 and we can recommend a licensed timeshare resale broker as we have created a list of those with excellent reputations and brand specialties.

Do you finance Disney Vacation Club for Outside the USA buyers?

YES! We finance Disney Vacation Club for Canadians and non-US residents under the same terms as our No credit check option.

Your monthly bill will be set up on a debit or credit card and all funds will need to be paid back in US Dollars. A $5 per month servicing fee will be added to your loan amount each month to cover the cost of processing the credit cards and billing. We regret to pass along a fee at all but this is the only way we can approve a loan that is not set up on ACH auto-pay. All US residents will be set up on ACH autopay with their US bank.

We now happily finance Disney Vacation Club for Canadians and Non-US residents!

Apply here: https://www.vacationclubloans.com/apply-now/

Get Informed

DVC Resale Financing

5 Easy Steps to Owning the Magic

In this guide we will explain the resale and financing process so you can purchase your next Disney Vacation Club Ownership on the resale market with only a down payment and budgeting low monthly payments. Financing can help you keep your cash for emergencies and give you the financial control to pay for your DVC when it is most comfortable for you. Finding the exact point package that fits your travel goals, at the home resort you love will not be as difficult as you may think after reading this easy, step-by-step guide on how it all works.

Download DVC Resale Guide

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