Financing your DVC Resale Contract

Financing your Disney Vacation Club resale contract is one option that many people consider. While it's always more cost-efficient to pay cash for your contract, for many people financing makes sense, especially when considering a Disney Vacation Club purchase.

There are several companies that offer timeshare financing, but for the purposes of this we're highlighting those we work with most often, and have found to be reputable. Please note: Rates quoted below subject to change based on credit score and fluctuations in the market.

Vacation Club Loans

100% of all DVC loans are approved not matter what your credit score with Vacation Club Loans. Vacation Club Loans offers financing rates between 9.9% and 15.9% for up to 10 years with both a credit score option for the best interest rate or a No Credit Check option.

Vacation Clubs Loans finances ALL DVC properties starting as low as 9.9% with good credit!

  • Rates start as low as 9.9% for Disney Vacation Club.
  • Will approve 100% of all DVC Credit Applications no matter what the credit score is.
  • All DVC Properties are approved including Hawaii, California and SC.
  • No minimum Credit Score for approval*
  • *For FICOs under 600 a down payment of 20% (instead of 10%) would be required
  • Finance up to 10 years
  • Finance up to 90% of the purchase price.
  • No minimum loan amount.
  • No prepayment penalties.
  • "NO loan origination fees; saving you $199 at closing"
  • 24/7 access to your account online.
  • Easy payment calculator

For more information, see the website at: 

Lightstream Financial

Lightstream Financial is a division of Sun Trust bank. Lightstream offers loans for people with good to excellent credit at rates from 7.44% to 13.9% .

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for “excellent and substantial credit”. However, we find individuals with excellent and substantial credit usually share the following characteristics:

  • Five or more years of significant credit history.
  • A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable.
  • An excellent payment history with no delinquencies or other problems repaying debt obligations.
  • A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt.
  • Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream.

For more information, see the website at: