Buying Disney Vacation Club through resale offers buyers many financing options. For financing details, please see below:
Vacation Club Loans
| Length of term | 1 to 10 years |
| Down payment required | 10% |
| Interest rate | Optional credit check for lowest interest rates or no credit check with guaranteed approval |
| Credit Check | Optional |
| Monthly service fee | No |
| DVC Properties Financed | All DVC Properties |
| Pre-Payment Penalty | No |
| Loan Minimum | None |
| Loan Origination Fee | $0 |
| Mortgage Recording | Yes |
| Website | Vacation Club Loans |
| debbie@vacationclubloans.com | |
| Phone | 1-800-334-2334 |
Monera Financial
| Length of term | 1 to 12 years |
| Down payment required | Typically 5% to 30% (depending on the purchase terms) |
| Interest rate | 9.9% to 15.9% (depending on down payment and length of term) |
| Credit Check | Optional |
| Monthly service fee | No |
| DVC Properties Financed | Florida DVC Properties |
| Pre-Payment Penalty | No |
| Loan Minimum | None |
| Loan Origination Fee | $199 |
| Mortgage Recording | Yes |
| Website | Monera Financial |
| info@monerafinancial.com | |
| Phone | 1-855-DVC-FUND |
Timeshare Lending.net
| Length of term | 1 to 10 years |
| Down payment required | 10% to 30% |
| Interest rate | 9.9% to 13.9% (depending on down payment and length of term) |
| Credit Check | Yes |
| Monthly service fee | $5 per month |
| DVC Properties Financed | All Non-Florida based DVC Properties |
| Pre-Payment Penalty | No |
| Loan Minimum | $4,000 |
| Loan Origination Fee | $139 |
| Mortgage Recording | Yes |
| Website | TimeshareLending.net |
| info@timesharelending.net | |
| Phone | 1-760-799-5177 |
Lightstream
| Length of term | 2 to 7 years |
| Down payment required | None |
| Interest rate | 5.95% to 13.29% (depending on credit score and terms) |
| Credit Check | Yes |
| Monthly service fee | No |
| DVC Properties Financed | All DVC Properties |
| Pre-Payment Penalty | No |
| Loan Minimum | $5,000 |
| Loan Origination Fee | None |
| Mortgage Recording | No |
| Website | Lightstream |
| CustomerService@lightstream.com | |
| Phone | 1-866-635-1330 |
*The above information is deemed accurate but not guaranteed. For the most current rates and terms, its best to contact the lenders directly. Revised: 11/23/19