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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 full monthly cost of DVC ownership, with 2026 annual dues for every DVC resort baked right in. Adjust the sliders, pick your resort, and see the number before you commit to anything.
Below the calculator, we break down every way to finance a resale contract, what DVC costs per month from start to finish, and the cash you need at closing.
How DVC Resale Financing 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.
Best Way to Finance DVC: Your Options Compared
There are five realistic ways to pay for a DVC contract. Only some of them work for resale, and the right one comes down to your credit, your timeline, and how much risk you are willing to carry.
| Option | Resale? | Best For |
|---|---|---|
| DVC-specialty lender | Yes | Most resale buyers. Built for DVC, no prepayment penalties. |
| Disney direct financing | No | Only buyers paying full direct price. |
| HELOC | Yes | Homeowners chasing the lowest rate. |
| Bank or credit union loan | Yes | Strong credit and an existing banking relationship. |
| Cash | Yes | Anyone who can. Zero interest, fastest close. |
DVC-specialty lenders are where most of our buyers land. Vacation Club Loans and Monera Financial know how ROFR works, they know how long a resale closing takes, and they will not panic when Disney’s 30-day review window shows up on the timeline. A general lender often will.
Disney direct financing is off the table for resale. Disney only finances points it sells you itself, at direct prices. If a lower monthly rate tempts you toward buying direct, run the total cost first. The price gap per point usually wipes out any rate advantage in the first year.
A HELOC will almost always beat a DVC loan on rate, because your house secures it. That is also the catch. You are putting your home behind a vacation purchase. For disciplined buyers with plenty of equity, it is the cheapest money available. For everyone else, the higher unsecured rate is worth the peace of mind.
A personal loan from your bank or credit union is worth one phone call, especially if your credit is excellent. Some credit unions beat the DVC lenders outright. Just confirm the loan funds on a resale timeline and has no prepayment penalty.
Cash wins every time on cost. It also makes your offer cleaner, which matters when a well-priced contract gets multiple offers.
Whichever route you pick, plug its rate into the calculator above. A 3-point rate difference on a $20,000 contract is easy to see once the numbers are side by side.
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 about $8.31 per point at Grand Floridian and $8.33 at 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 Much Does DVC Cost Per Month? The Full Breakdown
When people ask what DVC costs, they usually get a per-point price and nothing else. That is one piece of four. Here is everything that goes into the real number, using a common resale scenario: a 150-point Saratoga Springs contract priced at $20,000, financed with 10% down at 13.99% APR over 10 years.
| Cost | When You Pay It | Amount |
|---|---|---|
| Down payment | At closing | $2,000 |
| Closing costs | At closing | $700 to $1,200 |
| Loan payment | Monthly, 10 years | ~$279/mo |
| Annual dues | Every year you own | ~$115/mo |
| Total monthly cost | While financing | ~$394/mo |
Two things change once the loan is paid off. Your monthly cost drops to dues alone, about $115 a month in this example. And every year after that, you are vacationing at a deluxe Disney resort for less than most families spend on a single hotel week.
Paying cash? Your monthly cost is just the dues from day one. For a 150-point contract, that lands between roughly $100 and $185 a month depending on the resort.
Can you pay DVC dues monthly? Yes. Disney offers a monthly payment option for annual dues through automatic withdrawal, so you do not have to write one large check every January. It does not lower what you owe, but it turns the dues into a predictable line item next to your loan payment.
Use the calculator above to swap in your own resort, points, and price. The total monthly figure it shows is the same math as this table.
DVC Closing Costs and Escrow: The Cash You Need Up Front
Financing covers the contract price. It does not cover everything you will pay before the loan starts. Plan for two upfront amounts.
Your escrow deposit. Once your offer is accepted, you place a deposit with the closing company. It sits in escrow while Disney reviews the sale under its Right of First Refusal. If Disney buys the contract, your deposit comes back to you. If the sale clears ROFR, the deposit goes toward your purchase.
Closing costs. Most of our buyers pay between $700 and $1,200 total. That covers the closing company’s fee, county recording fees, Disney’s transfer fee, and document prep. Who pays what is negotiable, and in a slower market, sellers often cover part of it.
Add closing costs to your down payment and you have the real cash-to-close number. On a $20,000 contract with 10% down, budget about $2,700 to $3,200 before your first loan payment.
For a line-by-line look at every fee, read our full guide to DVC closing costs explained.
How to Keep Your Monthly Cost From Getting Away From You
Bigger down payment. On a $20,000 contract over ten years at 13.99%, going from 10% down to 20% down cuts your payment by about $31 a month and saves you more than $1,700 in interest. Not theoretical money. Money you keep.
Shorter loan term. A 7-year loan instead of a 10-year loan adds about $58 to your monthly payment and saves you more than $5,000 in interest. The calculator is right there. Run both. See for yourself.
Lower-dues resorts. Grand Floridian, Polynesian, Bay Lake Tower, and Copper Creek sit at the lower end of the dues spectrum. Vero Beach, Hilton Head, and the Cabins at Fort Wilderness 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.
Yes. Disney does not finance resale, but DVC-specialty lenders like Vacation Club Loans and Monera Financial do. They work with a wide range of credit profiles, and your credit score sets where your rate lands. A HELOC or a personal loan from your bank or credit union are also options.
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 $8.31 at Grand Floridian 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 $279 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 $394. 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 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.