Is It Possible To Get Financing When Buying DVC Resale?

The simple answer is YES! It is definitely possible to get financing when buying a DVC resale. So, if you haven’t quite saved enough to purchase that Disney Vacation Club contract you’ve been longing for, don’t let that stop you from enjoying years of DVC vacations and memories. While there are many financing options to choose from when purchasing a DVC resale, below is a list of the DVC Shop recommended finance companies. 

Monera Financial

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One of the most popular financing options for DVC purchases, Monera Financial exclusively finances Florida based Disney Vacation Club properties and knows the resale process inside and out. They have assisted thousands of DVC resale buyers in securing loans for the purchase of their dream vacation club contract. Monera offers a variety of borrowing options including refinance options to buyers of all credit standings as well as international buyers. 

What you get when you work with Monera Financial:

  • Fixed-rate, simple interest loans
  • No prepayment penalties
  • No monthly service fees
  • No loan points, no matter which loan you choose
  • No down payment required (other than deposit to DVC Shop when making an offer)
  • Remote mortgage closing option from the comfort of your own home

Vacation Club Loans

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For buyers looking to purchase a non-Florida DVC contract, Vacation Club Loans is a great option. Vacation Club Loans finances all DVC property locations as well as Marriott, Hilton, Hyatt, and Westin vacation ownership contracts. Loans rates with Vacation Club Loans are dependant on the buyer’s credit score but all loans are kept private from creditors, meaning they will not affect credit scores. 

When you work with Vacation Club Loans you will receive:

  • Fixed-rate loans
  • No monthly service fees
  • Transparent loan rates, click here for list of rates
  • Loan terms of up to 84 months (7 years)
  • Instant approvals for borrowers with 600+ credit score
  • Loans for up to 80% of purchase price, 20% down payment required


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Lightstream, a division of Suntrust Bank, offers buyers with a simple and quick loan process and guaranteed low rates for a variety of financing needs from home improvements, weddings, car loans and vacation ownership purchases. LightStream currently offers the lowest interest rates of our three lenders with vacation ownership loan rates as low as 5.95%, depending on your credit score and loan terms. They also offer loans for refinances. 

When you work with LightStream you’ll receive:

  • Fixed-rate loan
  • No prepayment penalties
  • No loan fees
  • Auto-pay options
  • Easy online portal for account management and payments
  • A tree planted with every loan funded

Securing financing when buying DVC resale is a simple and seamless process when working with any of our recommended lenders above. With a wide range of finance options, you’re dream Disney vacations are just a click away. If you’re ready to purchase a DVC contract or have any questions regarding the process, feel free to reach out to one of our DVC Shop representatives.

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