Want To Learn More About DVC Financing? Read our DVC Financing FAQs below to get started!
How Much Are The Mortgage Recording Fees?
Transparent and Affordable Closing Costs
Recording fees are determined by the state in which the property is located as well as the amount of the loan. As an example, the average recording fee in Florida is around $300. In states with higher fees, such as Hawaii and California, it can be approximately $400.
These fees will be fully disclosed prior to your loan closing and are only paid one time.
No Loan Origination Fees
At Vacation Club Loans, we do not charge a loan origination fee, helping you save even more from the start.
No Prepaid Interest at Closing
Unlike many other lenders, we do not charge 30 days of interest upfront at closing—a savings of several hundred dollars compared to our competitors.
Full Fee Transparency
You’ll receive a Closing Disclosure Statement from the title company prior to closing. This document outlines every charge, including recording fees and any applicable taxes, so you’ll know exactly what to expect—no surprises.
Do You Offer Interest Rate Discounts on DVC Financing?
YES, due to our special relationship with DVC we offer the below discounts on interest rates when buying Disney Vacation Club resale points.
Our interest rates are all credit score driven, including a No Credit Check option so your FICO does not prevent from ownership.
With a FICO of over 650, closing costs can also be added to the loan plus you can select the maximum loan term keeping your payments low.
Credit Score
Interest Rate
800-850
700-799
600-699
599 or Less (No Credit Check Option
11.9%
13.9%
15.9%
16.9%
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 up to 12 years (144 months) for any loan over $5,000 thus making your monthly payment even lower.
For loans of less than $5,000 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 Finance Disney Vacation Club Development Direct Purchase?
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
What are the total loan originiation 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.
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 RATES BASED ON FICO SCORES INCLUDING A NO CREDIT CHECK OPTION | LOANS OVER $12,000 ONLY | ||
| FICO Credit Score | 1 to 10 Year Terms | 11 to 12 Year Terms | |
| 800 – 850 | 11.9% APR | 12.9% APR | 10% down, finance closing costs |
| 700 – 799 | 13.9% APR | 14.9% APR | 10% down, finance closing costs |
| 600 – 699 | 15.9% APR | 16.9% APR | 10% down |
| 599 or less No Credit Check Option | 16.9% APR | 17.9% APR | 20% down payment required plus automatic payments each month. |
| 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; however 12 years terms (144 months) for any loan over $12,000 thus making your monthly payment even lower.
For loans of less than $5,000 the maximum term is 7 years (84 months) still keeping your payment low!
How long can I finance?
Flexible Loan Terms to Fit Your Budget with 3 maximum terms:
We suggest 10-year terms (120 months) on any loan over $5,000, helping you enjoy low monthly payments.
For loans under $5,000, you can still take advantage of a perfect 7-year term (84 months)—keeping your payments low and manageable.
NEW PROGRAM for loans over $12,000, you can still take advantage of a generous 12-year term (144 months)—keeping your payments at the lowest option with a one percent higher interest rate.
No matter the loan amount, our extended terms are designed to make vacation ownership more affordable than ever.
Do you offer discounted rates to Hyatt Residence club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a Hyatt buyer’s interest rate only 13.9% with excellent credit.
Will my interest rate increase throughout the term of the loan?
No. Your interest rate is locked in even if national interest rates go up later on.
| INTEREST RATES BASED ON FICO SCORE INCLUDING NO CREDIT CHECK | DOWN PAYMENT | ||
| FICO Credit Score | 1 to 10 Year terms | 11 to 12 year terms | |
| 800 – 850 | 11.9% APR | 12.9% APR | 10% down, finance closing costs too |
| 700 – 799 | 13.9% APR | 14.9% APR | 10% down, finance closing costs too |
| 600 – 699 | 15.9% APR | 16.9% APR | 10% down |
| 599 OR LESS, NO CREDIT CHECK OPTION | 16.9% APR | 17.9% APR | 20% down payment and automatic payments are required |
| No Prepayment Penalties on All Loans | |||
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 $300. 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 offer discounted interest rates to Marriott Vacation club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a Marriott Buyer’s interest rate only 13.9% with excellent credit.
Do you offer discounted interest rates to hilton grand vacation club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a HGVC Buyer’s interest rate only 13.9% with excellent credit.
do you finance individuals with a credit score of 599 or less?
No Credit Check Loan – Fast, Easy Approval
A no credit check loan is a financing option where your credit history isn’t reviewed as part of the approval process. That means:
No impact on your credit score
No hard inquiries reported to credit bureaus
Fast approvals, based on other factors like income, down payment, or loan collateral
This type of loan is ideal for individuals who may have limited or less-than-perfect credit but still want access to affordable financing.
At Vacation Club Loans, we make it easy for more people to enjoy the benefits of vacation ownership—without the stress of a credit check.
do you charge additional monthly fees?
No Monthly Fee with Automatic Payments
Enjoy zero monthly fees when you enroll in automatic payments!
By setting up auto-pay, your monthly payment is made seamlessly and on time—plus, you avoid any service fees that may apply to manual payments. It’s convenient, secure, and saves you money each month.
Stay worry-free and fee-free by choosing automatic payments!
If you wish to OPT OUT of automatic payments, then a $10 monthly servicing fee is charged to cover the cost of mailing a monthly statement.
Autopay is required if you choose the No Credit Check Option.
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!
Additional closing costs are added if you are financing as all states charge taxes and recording fees if financing.
what are your interest rates?
Credit Score
Interest Rate up to
10 Year Terms
800-850
700-799
600-699
599 or Less (No Credit Check Option
11.9%
13.9%
15.9%
16.9%
Do You Charge A prepayment penalty if i pay my loan off early?
NO! We do not charge prepayment penalties. You pay interest only on the principal amount you borrowed, for the length of time you borrow it.
We can now offer terms of 10 years (120 months) for any loan over $5,000 thus making your monthly payment even lower at the same low-interest rate.
For loans of less than $5,000 the maximum term is 7 years (84 months) still keeping your payment low!
How do i apply for a loan?
Fill out our secured credit application here on our secured website under “apply now”. If you need any assistance please call us at 1-800-334-2334.
OR Choose our No Credit Check Option.
how do i know if i'm approved?
All DVC loans are approved and we finance all brands of timeshares too with a FICO of just 600.
You will be notified immediately by email. We approve credit applications immediately during business hours of 8am to 5pm Monday through Friday.
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 directly to the title company you choose.
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 $300. In other states like Hawaii and California, it can be approximately $400.00 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.
How Much Are The Mortgage Recording Fees?
Transparent and Affordable Closing Costs
Recording fees are determined by the state in which the property is located as well as the amount of the loan. As an example, the average recording fee in Florida is around $300. In states with higher fees, such as Hawaii and California, it can be approximately $400.
These fees will be fully disclosed prior to your loan closing and are only paid one time.
No Loan Origination Fees
At Vacation Club Loans, we do not charge a loan origination fee, helping you save even more from the start.
No Prepaid Interest at Closing
Unlike many other lenders, we do not charge 30 days of interest upfront at closing—a savings of several hundred dollars compared to our competitors.
Full Fee Transparency
You’ll receive a Closing Disclosure Statement from the title company prior to closing. This document outlines every charge, including recording fees and any applicable taxes, so you’ll know exactly what to expect—no surprises.
Do You Offer Interest Rate Discounts on DVC Financing?
YES, due to our special relationship with DVC we offer the below discounts on interest rates when buying Disney Vacation Club resale points.
Our interest rates are all credit score driven, including a No Credit Check option so your FICO does not prevent from ownership.
With a FICO of over 650, closing costs can also be added to the loan plus you can select the maximum loan term keeping your payments low.
Credit Score
Interest Rate
800-850
700-799
600-699
599 or Less (No Credit Check Option
11.9%
13.9%
15.9%
16.9%
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 up to 12 years (144 months) for any loan over $5,000 thus making your monthly payment even lower.
For loans of less than $5,000 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 Finance Disney Vacation Club Development Direct Purchase?
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
What are the total loan originiation 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.
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 RATES BASED ON FICO SCORES INCLUDING A NO CREDIT CHECK OPTION | LOANS OVER $12,000 ONLY | ||
| FICO Credit Score | 1 to 10 Year Terms | 11 to 12 Year Terms | |
| 800 – 850 | 11.9% APR | 12.9% APR | 10% down, finance closing costs |
| 700 – 799 | 13.9% APR | 14.9% APR | 10% down, finance closing costs |
| 600 – 699 | 15.9% APR | 16.9% APR | 10% down |
| 599 or less No Credit Check Option | 16.9% APR | 17.9% APR | 20% down payment required plus automatic payments each month. |
| 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; however 12 years terms (144 months) for any loan over $12,000 thus making your monthly payment even lower.
For loans of less than $5,000 the maximum term is 7 years (84 months) still keeping your payment low!
How long can I finance?
Flexible Loan Terms to Fit Your Budget with 3 maximum terms:
We suggest 10-year terms (120 months) on any loan over $5,000, helping you enjoy low monthly payments.
For loans under $5,000, you can still take advantage of a perfect 7-year term (84 months)—keeping your payments low and manageable.
NEW PROGRAM for loans over $12,000, you can still take advantage of a generous 12-year term (144 months)—keeping your payments at the lowest option with a one percent higher interest rate.
No matter the loan amount, our extended terms are designed to make vacation ownership more affordable than ever.
Do you offer discounted rates to Hyatt Residence club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a Hyatt buyer’s interest rate only 13.9% with excellent credit.
Will my interest rate increase throughout the term of the loan?
No. Your interest rate is locked in even if national interest rates go up later on.
| INTEREST RATES BASED ON FICO SCORE INCLUDING NO CREDIT CHECK | DOWN PAYMENT | ||
| FICO Credit Score | 1 to 10 Year terms | 11 to 12 year terms | |
| 800 – 850 | 11.9% APR | 12.9% APR | 10% down, finance closing costs too |
| 700 – 799 | 13.9% APR | 14.9% APR | 10% down, finance closing costs too |
| 600 – 699 | 15.9% APR | 16.9% APR | 10% down |
| 599 OR LESS, NO CREDIT CHECK OPTION | 16.9% APR | 17.9% APR | 20% down payment and automatic payments are required |
| No Prepayment Penalties on All Loans | |||
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 $300. 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 offer discounted interest rates to Marriott Vacation club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a Marriott Buyer’s interest rate only 13.9% with excellent credit.
Do you offer discounted interest rates to hilton grand vacation club buyers?
Yes. Our normal annual percentage rate is 14.9% however; due to special relationships we offer a 1% discount making a HGVC Buyer’s interest rate only 13.9% with excellent credit.
do you finance individuals with a credit score of 599 or less?
No Credit Check Loan – Fast, Easy Approval
A no credit check loan is a financing option where your credit history isn’t reviewed as part of the approval process. That means:
No impact on your credit score
No hard inquiries reported to credit bureaus
Fast approvals, based on other factors like income, down payment, or loan collateral
This type of loan is ideal for individuals who may have limited or less-than-perfect credit but still want access to affordable financing.
At Vacation Club Loans, we make it easy for more people to enjoy the benefits of vacation ownership—without the stress of a credit check.
do you charge additional monthly fees?
No Monthly Fee with Automatic Payments
Enjoy zero monthly fees when you enroll in automatic payments!
By setting up auto-pay, your monthly payment is made seamlessly and on time—plus, you avoid any service fees that may apply to manual payments. It’s convenient, secure, and saves you money each month.
Stay worry-free and fee-free by choosing automatic payments!
If you wish to OPT OUT of automatic payments, then a $10 monthly servicing fee is charged to cover the cost of mailing a monthly statement.
Autopay is required if you choose the No Credit Check Option.
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!
Additional closing costs are added if you are financing as all states charge taxes and recording fees if financing.
what are your interest rates?
Credit Score
Interest Rate up to
10 Year Terms
800-850
700-799
600-699
599 or Less (No Credit Check Option
11.9%
13.9%
15.9%
16.9%
Do You Charge A prepayment penalty if i pay my loan off early?
NO! We do not charge prepayment penalties. You pay interest only on the principal amount you borrowed, for the length of time you borrow it.
We can now offer terms of 10 years (120 months) for any loan over $5,000 thus making your monthly payment even lower at the same low-interest rate.
For loans of less than $5,000 the maximum term is 7 years (84 months) still keeping your payment low!
How do i apply for a loan?
Fill out our secured credit application here on our secured website under “apply now”. If you need any assistance please call us at 1-800-334-2334.
OR Choose our No Credit Check Option.
how do i know if i'm approved?
All DVC loans are approved and we finance all brands of timeshares too with a FICO of just 600.
You will be notified immediately by email. We approve credit applications immediately during business hours of 8am to 5pm Monday through Friday.
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 directly to the title company you choose.
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 $300. In other states like Hawaii and California, it can be approximately $400.00 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.
