{"id":8347,"date":"2020-11-16T10:18:43","date_gmt":"2020-11-16T15:18:43","guid":{"rendered":"https:\/\/www.vacationclubloans.com\/?p=8347"},"modified":"2020-11-16T10:18:43","modified_gmt":"2020-11-16T15:18:43","slug":"comparing-dvc-loans-and-terms-at-a-glance","status":"publish","type":"post","link":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/","title":{"rendered":"Comparing DVC Loans and Terms at a Glance"},"content":{"rendered":"\n
Comparing DVC loans and term options can be tricky in today\u2019s market.\u00a0 Finding the best deal could take time so we have done the work for you in an easy to read summary.\u00a0 This summary quickly shows our maximum 10-year loans compared to 10-year loans offered by other DVC lenders that were also A+ rated by the Better Business Bureau. \u00a0<\/p>\n\n\n\n
To compare, we used data in over 150 current resale contracts pending with us in the month of October 2020 through out all the DVC properties in all 4 states where they are in as we finance all of them. <\/p>\n\n\n\n
Photo courtesy of Vacation Club Loans<\/figcaption><\/figure>\n\n\n\n
Then we took into consideration current interest rates offered through various lenders.\u00a0 The average credit score is 700 from our pool of applicants which qualifies for an interest rate of 12.9%<\/strong> at Vacation Club Loans and the variable interest rates with other lenders based on price per point, down payment, and length of loans.\u00a0 To compare \u201capples to apples\u201d and in complete fairness we had to assume all down payments were 10% which is the standard amount for us<\/strong> as well as all terms of 10 years.\u00a0 Of course, the shorter the term the less you will pay in interest so keep that in mind.<\/p>\n\n\n\n
Photo courtesy of Vacation Club Loans<\/figcaption><\/figure>\n\n\n\n
No Fee = \u00a0Better deal\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n\n\n\n
INTEREST RATES OVER 7 YEARS<\/u><\/strong><\/p>\n\n\n\n
Vacation Club Loans – 12.9% Lender #2 – 14.9% Lender #4 – Average 14.75<\/p>\n\n\n\n
2% lower interest rates 2% higher on average See their Chart below<\/p>\n\n\n\n
Average Savings with Vacation Club Loans on more than 90% of contracts reviewed $1,503.00<\/strong><\/p>\n\n\n\n
<\/figure>\n\n\n\n
The BELOW rates are by Lightstream<\/em> as of Nov 4, 2020<\/td><\/tr>
Loan amount<\/strong><\/td>
<\/td>
<\/td>
<\/td>
<\/td>
73 \u2013 84 MONTHS Lender 4 is a division of Suntrust Bank<\/strong><\/td>
<\/td><\/tr><\/thead>
$5,000 \u2014 $9,999<\/strong><\/td>
<\/td>
<\/td>
<\/td>
<\/td>
73 to 84 months, rates are not available for this amount. $5,000 \u2014 $9,999<\/strong><\/td>
<\/td><\/tr>
$10,000 \u2014 $24,999<\/strong><\/td>
<\/td>
<\/td>
<\/td>
<\/td>
73 to 84 months, rates are not available for this amount. $10,000 \u2014 $24,999<\/strong><\/td>
<\/td><\/tr>
$25,000 \u2014 $49,999<\/strong><\/td>
<\/td>
<\/td>
<\/td>
<\/td>
73 to 84 months at 10.24% – 19.24%<\/strong> AVERAGE RATE 14.75%<\/strong><\/td>
<\/td><\/tr>
$50,000 \u2014 $100,000<\/strong><\/td>
<\/td>
<\/td>
<\/td>
<\/td>
73 to 84 months at 10.99% – 19.99%<\/strong> AVERAGE RATE 15.49%<\/strong><\/td>
<\/td><\/tr>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td>
<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Disney Vacation Club financing for bad credit borrowers<\/strong> with a FICO of 599 or Less – if you have bad credit and still want to become a DVC member, proceed with caution \u2014 Disney Vacation Club financing for bad credit borrowers is limited. Bad credit personal loans or secured loans often have very high-interest rates and can be risky. If you fall behind on your payments, you could lose your property. Even filing for bankruptcy does not protect your timeshare interest as these are considered non-essential assets and will be removed very quickly by the Judge in your jurisdiction giving the lender the ability to foreclose.<\/p>\n\n\n\n
Footnote: we had to omit Home Equity Loans<\/strong>, because we are unable to retrieve what buyers have in their home\u2019s equity vs. what their bank may lend vs. what their bank\u2019s interest rate vs. closing costs. The calculation had too many unknowns to assume. We will mention that Home Equity Loans do tend to have the best interest rates if you are comfortable with: 1) using your residence as collateral, 2) paying for a home appraisal if needed, and 3) paying for additional closing costs that go with this type of loan as well as the closing costs to the resale title company for your DVC property. (Vacation Club Loans waives all loan origination fees)<\/p>\n\n\n\n
Featured Image courtesy of “savings ahead” by 401(K) 2013 is licensed under CC BY-SA 2.0<\/em><\/p>\n\n\n\n<\/figure>\n","protected":false},"excerpt":{"rendered":"
Comparing DVC loans and term options can be tricky in today\u2019s market.\u00a0 Finding the best deal could take time so we have done the work for you in an easy to read summary.\u00a0 This summary quickly shows our maximum 10-year loans compared to 10-year loans offered by other DVC lenders that were also A+ rated […]<\/p>\n","protected":false},"author":2,"featured_media":8348,"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":[10,1],"tags":[46,62,66,68],"class_list":["post-8347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dvc","category-uncategorized","tag-disney-loans","tag-dvc-financing","tag-dvc-lender","tag-dvc-loans"],"yoast_head":"\n
Comparing DVC Loans and Terms at a Glance - Vacation Club Loans<\/title>\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\/comparing-dvc-loans-and-terms-at-a-glance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparing DVC Loans and Terms at a Glance - Vacation Club Loans\" \/>\n<meta property=\"og:description\" content=\"Comparing DVC loans and term options can be tricky in today\u2019s market.\u00a0 Finding the best deal could take time so we have done the work for you in an easy to read summary.\u00a0 This summary quickly shows our maximum 10-year loans compared to 10-year loans offered by other DVC lenders that were also A+ rated […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/\" \/>\n<meta property=\"og:site_name\" content=\"Vacation Club Loans\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-16T15:18:43+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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/\"},\"author\":{\"name\":\"Kaity Kimball\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#\\\/schema\\\/person\\\/c4fb2958e034b99f9f9ed2a07a5605aa\"},\"headline\":\"Comparing DVC Loans and Terms at a Glance\",\"datePublished\":\"2020-11-16T15:18:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/\"},\"wordCount\":641,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"disney loans\",\"DVC financing\",\"dvc lender\",\"DVC loans\"],\"articleSection\":[\"Disney Vacation Club\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/\",\"url\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/\",\"name\":\"Comparing DVC Loans and Terms at a Glance - Vacation Club Loans\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2020-11-16T15:18:43+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#\\\/schema\\\/person\\\/c4fb2958e034b99f9f9ed2a07a5605aa\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/comparing-dvc-loans-and-terms-at-a-glance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comparing DVC Loans and Terms at a Glance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#website\",\"url\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/\",\"name\":\"Vacation Club Loans\",\"description\":\"Disney Vacation Club Financing\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/#\\\/schema\\\/person\\\/c4fb2958e034b99f9f9ed2a07a5605aa\",\"name\":\"Kaity Kimball\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g\",\"caption\":\"Kaity Kimball\"},\"url\":\"https:\\\/\\\/vacationclubloans.com\\\/website_fd31748e\\\/author\\\/kaity\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comparing DVC Loans and Terms at a Glance - Vacation Club Loans","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/","og_locale":"en_US","og_type":"article","og_title":"Comparing DVC Loans and Terms at a Glance - Vacation Club Loans","og_description":"Comparing DVC loans and term options can be tricky in today\u2019s market.\u00a0 Finding the best deal could take time so we have done the work for you in an easy to read summary.\u00a0 This summary quickly shows our maximum 10-year loans compared to 10-year loans offered by other DVC lenders that were also A+ rated […]","og_url":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/","og_site_name":"Vacation Club Loans","article_published_time":"2020-11-16T15:18:43+00:00","author":"Kaity Kimball","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kaity Kimball","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#article","isPartOf":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/"},"author":{"name":"Kaity Kimball","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/#\/schema\/person\/c4fb2958e034b99f9f9ed2a07a5605aa"},"headline":"Comparing DVC Loans and Terms at a Glance","datePublished":"2020-11-16T15:18:43+00:00","mainEntityOfPage":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/"},"wordCount":641,"commentCount":0,"image":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#primaryimage"},"thumbnailUrl":"","keywords":["disney loans","DVC financing","dvc lender","DVC loans"],"articleSection":["Disney Vacation Club"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/","url":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/","name":"Comparing DVC Loans and Terms at a Glance - Vacation Club Loans","isPartOf":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#primaryimage"},"image":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#primaryimage"},"thumbnailUrl":"","datePublished":"2020-11-16T15:18:43+00:00","author":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/#\/schema\/person\/c4fb2958e034b99f9f9ed2a07a5605aa"},"breadcrumb":{"@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/comparing-dvc-loans-and-terms-at-a-glance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vacationclubloans.com\/website_fd31748e\/"},{"@type":"ListItem","position":2,"name":"Comparing DVC Loans and Terms at a Glance"}]},{"@type":"WebSite","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/#website","url":"https:\/\/vacationclubloans.com\/website_fd31748e\/","name":"Vacation Club Loans","description":"Disney Vacation Club Financing","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vacationclubloans.com\/website_fd31748e\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/vacationclubloans.com\/website_fd31748e\/#\/schema\/person\/c4fb2958e034b99f9f9ed2a07a5605aa","name":"Kaity Kimball","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/552a4af56f43d42048f5b6075fe2eed7f0bc10cdb5342d0d477f5411d93e3cd1?s=96&d=mm&r=g","caption":"Kaity Kimball"},"url":"https:\/\/vacationclubloans.com\/website_fd31748e\/author\/kaity\/"}]}},"_links":{"self":[{"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/posts\/8347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/comments?post=8347"}],"version-history":[{"count":0,"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/posts\/8347\/revisions"}],"wp:attachment":[{"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/media?parent=8347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/categories?post=8347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vacationclubloans.com\/website_fd31748e\/wp-json\/wp\/v2\/tags?post=8347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"DVC](\"https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2017\/11\/20170911_160806-1024x768.jpg\")
![\"\"](\"https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2020\/10\/Use-DVC-sign-up-close-and-colorful.jpg\")
![\"Disney's](\"https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2016\/11\/Saratoga-Springs-view-from-lake-1024x681.jpg\")
<\/figure>\n\n\n\n![\"\"](\"https:\/\/www.vacationclubloans.com\/wp-content\/uploads\/2020\/02\/LOGO-new-2019-1024x702.png\"){kind=logo}
<\/figure>\n","protected":false},"excerpt":{"rendered":"