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

Vacation Club Loans offers financing rates between 9.9% and 15.9% for up to 7 years depending on your credit score and loan amount.

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.
  • All DVC Properties are approved including Hawaii, California and SC.
  • 600 credit score needed for instant approval.
  • Finance up to 7 years
  • Finance up to 80% of the purchase price.
  • No minimum loan amount.
  • No prepayment penalties.
  • One time $179 loan origination fee paid at closing.
  • 24/7 access to your account online.
  • Finance up to 5 years saving you thousands of dollars in interest.
  • Easy payment calculator https://www.vacationclubloans.com/rates-calculator/

For more information, see the website at:  https://www.vacationclubloans.com 



Monera Financial

Monera Financial is unique in that they offer the ability to finance your DVC resale with no credit check, and guaranteed approval. While this may sound unsual, the reason is simple. Monera knows that Disney Vacation Club timeshares hold their value. If you fail to pay on your loan, Monera simply assumes the deed and resells it themselves. Monera ONLY finances the DVC properties based in Florida (they will not finance Vero Beach, Hilton Head, Grand Californian or Aulani). The amount of the downpayment required varies depending on the contract and the length of the loan, and there is no penalty for paying off your loan early. They have an excellent calculator that allows you to see exactly what your options areThey offer rates that are slightly higher than other loan services (ranging from 9.9% to 15.9% depending on the length of the loan and the amount of the downpayment.) . Loan term options range from 12 to 120 months. CLICK HERE to learn more about Monera Financial

Competitive rates starting at 9.9%

  • Loans for Disney Vacation Club Resorts located WITHIN Florida
  • Automatically Approved
  • No prepayment penalty
  • Minimum loan amount $4000
  • One time $199 loan origination fee paid only if you close on your membership
  • Terms up to 120 months
  • No credit checks or financials necessary for any amount
  • Closing costs for the loan will add approximately $350 to $500 more to the regular closing costs
  • This loan is considered a Mortgage, secured by a Mortgage for FL.

For more information, visit their website at: http://www.monerafinancial.com/


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: https://www.lightstream.com