{"id":7912,"date":"2019-05-29T11:51:54","date_gmt":"2019-05-29T15:51:54","guid":{"rendered":"https:\/\/www.vacationclubloans.com\/?p=7912"},"modified":"2019-05-29T11:51:54","modified_gmt":"2019-05-29T15:51:54","slug":"dvc-loans-and-terms-compared","status":"publish","type":"post","link":"https:\/\/vacationclubloans.com\/website_fd31748e\/dvc-loans-and-terms-compared\/","title":{"rendered":"DVC Loans and Terms Compared at a Glance"},"content":{"rendered":"<p>DVC loans and terms compared by options can be tricky in today\u2019s low-interest market.\u00a0 Finding the best deal could take time so we\u2019ve done an easily viewable chart below.\u00a0 This chart quickly shows our 5-year loans compared to 10-year loans offered by other lenders.<\/p>\n<p>In order to compare DVC loans and terms with \u201capples to apples,\u201d we used our average interest rate based on an average industry credit score of 700 which comes to 11.9%.\u00a0 Although it is my opinion this rate is not the average of our competitors, I did use our low rate for all other DVC lenders to be fair.<\/p>\n<p>By paying a little bit more each month on a 5-year loan you can save from $1,560 to well over $10,000 based on the loan amount.<\/p>\n<p>Happy shopping!\u00a0 We hope we made navigating the loan process clearer.<\/p>\n<p>[embeddoc url=&#8221;https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2019\/05\/Loan-Comp-Chart-no-fee-3.pdf&#8221; download=&#8221;all&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>To see exact payments on your desired loan go to our easy DVC loan payment calculator here:\u00a0<strong>\u00a0<a href=\"https:\/\/www.vacationclubloans.com\/rates-calculator\/\">https:\/\/www.vacationclubloans.com\/rates-calculator\/<\/a><\/strong><\/p>\n<p><strong>Why Finance:\u00a0<\/strong><\/p>\n<p>Having cash in hand and sending it to the escrow company at closing is great if you can afford it, but the fact is that many people scrimp and save for several months or years to pay for their timeshare.\u00a0 If saving has been this difficult for you, it\u2019s not a good idea to pay for the interval or points in full.<\/p>\n<p>Taking on a loan allows you to spread out some of that cost, so you aren\u2019t parting with all of your money at once.\u00a0 You can use a hefty chunk or as little as 20% of the purchase price as a down payment, but wiping out your savings is ill-advised.\u00a0 This is because it\u2019s a much wiser decision to leave an emergency fund in your savings account for those unexpected costs that may arise.<\/p>\n<p>Furthermore, you could use some of that pay-in-full cash to actually go on vacation and enjoy what you just purchased. This is called \u201c<strong>balancing the fun with the funds<\/strong>\u201d. Why pay $10,000 today for 10 years of future accommodations when you can pay $1,000 each year (plus a small amount of interest) for ten years and enjoy the same accommodations for the same amount of time.<\/p>\n<p>Financing will also allow you to get the vacation package that you otherwise cannot afford upfront.\u00a0 This way you have your choice of premium accommodations and best seasons more suited for your family\u2019s lifestyle, rather than settling for something not perfect and trying to upgrade on much later.<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-7723\" src=\"https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2018\/11\/LOGO-square-color-227772-3939-300x199.jpg\" alt=\"vacation club loans logo\" width=\"300\" height=\"199\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DVC loans and terms compared by options can be tricky in today\u2019s low-interest market.\u00a0 Finding the best deal could take time so we\u2019ve done an easily viewable chart below.\u00a0 This chart quickly shows our 5-year loans compared to 10-year loans offered by other lenders. In order to compare DVC loans and terms with \u201capples to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7919,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[10],"tags":[62,67,68],"class_list":["post-7912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dvc","tag-dvc-financing","tag-dvc-lending","tag-dvc-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DVC Loans and Terms Compared at a Glance - Vacation Club Loans<\/title>\n<meta name=\"description\" content=\"Comparing DVC loans and term options can be tricky. Finding the best deal could take time so we\u2019ve done an easily viewable chart below.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vacationclubloans.com\/website_fd31748e\/dvc-loans-and-terms-compared\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DVC Loans and Terms Compared at a Glance - Vacation Club Loans\" \/>\n<meta property=\"og:description\" content=\"Comparing DVC loans and term options can be tricky. Finding the best deal could take time so we\u2019ve done an easily viewable chart below.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vacationclubloans.com\/website_fd31748e\/dvc-loans-and-terms-compared\/\" \/>\n<meta property=\"og:site_name\" content=\"Vacation Club Loans\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-29T15:51:54+00:00\" \/>\n<meta name=\"author\" content=\"Kaity Kimball\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kaity Kimball\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/\"},\"author\":{\"name\":\"Kaity Kimball\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#\\\/schema\\\/person\\\/c4fb2958e034b99f9f9ed2a07a5605aa\"},\"headline\":\"DVC Loans and Terms Compared at a Glance\",\"datePublished\":\"2019-05-29T15:51:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/\"},\"wordCount\":435,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"DVC financing\",\"DVC lending\",\"DVC loans\"],\"articleSection\":[\"Disney Vacation Club\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/\",\"url\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/\",\"name\":\"DVC Loans and Terms Compared at a Glance - Vacation Club Loans\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/dvc-loans-and-terms-compared\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2019-05-29T15:51:54+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#\\\/schema\\\/person\\\/c4fb2958e034b99f9f9ed2a07a5605aa\"},\"description\":\"Comparing DVC loans and term options can be tricky. 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