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Here is what nobody tells you about financing a DVC resale contract: the loan payment is not your whole monthly cost. There are annual dues on top of that. And those dues vary wildly depending on which resort you buy into.
So we built this calculator to show you the real number. Not just the loan payment. The actual, full monthly cost of DVC ownership, with 2026 annual dues for all 19 DVC resorts baked right in. Adjust the sliders, pick your resort, and see what it actually looks like before you commit to anything.
How DVC Resale Financing Actually Works
First thing to know: Disney will not finance your resale purchase. They reserve that privilege for people buying direct, at the direct price, which is a whole different conversation. If you are buying resale -- and you should be -- you will need to go through a third-party lender.
The two names you will hear most are Vacation Club Loans and Monera Financial. Both specialize exclusively in DVC. Both offer unsecured personal loans with no prepayment penalties. Rates typically land somewhere between 10.99% and 17.99% APR, depending on your credit. Loan terms run 5 to 12 years. Down payments start at 10% to 20%.
Yes, those rates are higher than a mortgage. That is because these are unsecured loans. There is no house to repossess. The lender is taking on more risk, so the rate reflects that. It is not a scam. It is just how this particular corner of lending works.
The Part Most Calculators Leave Out: Annual Dues
Here is where most DVC financing calculators fail you. They show the loan payment. Period. And then you close on the contract, January rolls around, and suddenly there is a dues bill sitting in your inbox that nobody mentioned.
Every DVC member pays annual maintenance dues. These cover everything it takes to keep your resort running: housekeeping, landscaping, utilities, insurance, property taxes, and a reserve fund for the inevitable day they need to gut-renovate the bathrooms. The amount depends on your home resort and how many points you own.
For 2026, those dues range from around $8.25 per point at Bay Lake Tower and Polynesian up to $14.89 per point at Vero Beach. On a fairly standard 150-point contract at Saratoga Springs, that comes to about $1,378 per year. Divided by twelve, that is roughly $115 per month on top of your loan payment. Not insignificant. Not something you want to discover after the fact.
That is exactly why this calculator includes a dues toggle. Because the monthly number that matters is the one that includes everything.
How to Keep Your Monthly Cost From Getting Away From You
Bigger down payment. The difference between 10% down and 20% down on a $20,000 contract, over ten years at 13.99%, is real money. Not theoretical money. Money you will actually spend or not spend.
Shorter loan term. A 7-year loan versus a 10-year loan might add $60 to your monthly payment, but it could save you $4,000 or more in interest. The calculator is right there. Run both. See for yourself.
Lower-dues resorts. Saratoga Springs, Bay Lake Tower, Polynesian, and Grand Floridian sit at the lower end of the dues spectrum. Vero Beach and Hilton Head sit at the top. That gap compounds every single year for as long as you own.
Pay cash if you can. You eliminate the interest entirely and your only ongoing cost is dues. But if cash is not realistic right now, that is fine. That is what financing exists for. Just go in knowing the full number, not the partial one.
DVC Resale vs. Buying Direct: The Math That Matters
When you buy directly from Disney, they will happily finance you. The rates are comparable to what third-party lenders offer. The problem is not the financing. The problem is the sticker price.
As of 2026, Disney sells points starting around $200 per point, sometimes higher depending on the resort. Resale contracts for the same resorts typically trade between $80 and $180 per point. That is not a small difference. On a 150-point contract, that gap can be $10,000 to $15,000 or more.
So even with third-party financing and the slightly higher rates that come with it, your total cost of ownership on a resale contract -- purchase price plus interest plus annual dues over the life of your membership -- is almost always lower than buying direct. Often by a wide margin.
This is why DVC resale continues to be one of the best values in the entire vacation ownership market. And it is why we built this calculator. So you can see exactly what those numbers look like for your situation, with nothing hidden and nothing left out.
You can. Disney will not do it for you, but third-party lenders like Vacation Club Loans and Monera Financial exist specifically for this. Most require a minimum credit score around 600 and a down payment of 10% to 20%. Some offer no-credit-check options if you are willing to put more down upfront.
Rates generally fall between 10.99% and 17.99% APR. Where you land in that range depends on your credit score, the loan amount, and the lender. These are unsecured personal loans, not mortgages, which is why the rates sit higher. The upside is that most DVC lenders charge zero prepayment penalties, so you can pay the loan off early without any fees.
Annual dues are the yearly maintenance fees every DVC member pays. They are based on your home resort and the number of points you own. For 2026, per-point dues range from about $8.25 at Bay Lake Tower up to $14.89 at Vero Beach. The money covers resort operations, property taxes, insurance, and a reserve fund for long-term upkeep. Expect dues to increase each year by somewhere in the range of 3% to 7%.
It depends on your contract price, down payment, rate, and term. But to give you a real example: a $20,000 contract with 10% down at 13.99% APR over 10 years comes to roughly $276 per month on the loan alone. Add in annual dues for 150 points at Saratoga Springs -- about $115 per month -- and your total monthly cost is around $391. The calculator above will give you exact numbers for whatever combination you are considering.
Cash is always the cheapest path. You pay zero interest and your only ongoing expense is annual dues. But not everyone has $15,000 to $40,000 sitting around, and that is perfectly fine. If you finance, a larger down payment and a shorter loan term are the two biggest things you can do to reduce your total cost. Most DVC lenders do not charge prepayment penalties, so paying the loan off early is always an option if your situation changes.
With most DVC-specific lenders, no. Vacation Club Loans and Monera Financial do not report to credit bureaus, which means your DVC loan will not show up on your credit report or affect your debt-to-income ratio. That is a meaningful advantage over a traditional personal loan. That said, policies can vary, so confirm with your lender before you sign anything.
We keep it simple. Just a 5% commission, no pressure, and a team that actually knows DVC inside and out. Whether you are looking to buy your first contract or sell one you have outgrown, we will walk you through every step.