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Wednesday, 11 March 2020 11:00

DVC Financing Explained: 3 Easy Steps

Written by

You must be considering purchasing a DVC points contract on the resale market – well CONGRATULATIONS!  You are on your way to years of Disney vacations at a discount and the DVC experts at BuyAndSellDVC.com will guide you to the perfect contract.  I’ve been in the timeshare industry for over 14 years and met Jason Erpelding in 2015.  Jason and I have worked together on so many DVC contracts over the last 5 years and he’s amazing!  Jason’s knowledge and background of the DVC product are outstanding!

Once you’ve decided to purchase, you should get your financing in place as soon as possible.  With Vacation Club Loans, your approval does not expire and once you are approved, you will always be approved with us!  Welcome Home.

DVC financing is so easy too.  Here I’ve broken it down into 3 easy steps for you.



The first step to DVC financing is to choose your loan payment and terms to fit your budget. Click here to use our easy payment calculator for different loan amounts:  https://www.vacationclubloans.com/rates-calculator/

There are never any prepayment penalties so you can feel at ease choosing a longer payment term but paying additional principal if you like at any time.  84-month terms will give you a lot of flexibility to make your monthly payments as low as possible. 

For example, a loan of $10,000 over 84 months creates a monthly payment of $175 per month for 84 months.

With Vacation Club Loans:

  • No Loan Origination Fees (saving you $199).
  • No 30 Days of Prepaid Interest due at closing (saves you more cash).
  • No Prepayment Penalties if you ever want to pay off the loan early.
  • Loans over $10,000 can be financed up to 7 years; loans Under $10,000 are 5 years.
  • US citizens and Canadians both qualify.


DVC financing is easy to obtain, and approvals are done within minutes during our normal business hours.  You only need a 600 FICO credit score or better to be approved. 

Vacation Club Loans finances all DVC properties located in Florida, Hawaii, South Carolina, and California. To get approved simply fill out a one-page credit application on our encrypted and secure website.  


We will give you a complete quote: interest rate, payment amount, and cash needed to close based on your contract purchase price.




FICO Credit Score

20% Down Payment

10% Down Payment


800 - 850

9.9%  APR

11.9% APR

up to 7 years

700 - 799

11.9% APR

13.9% APR

up to 7 years

650 - 699

13.9% APR

15.9% APR

up to 7 years

600 - 649

15.9% APR

      Not Available

up to 7 years


You choose your Down Payment Amount (10% or more)


The third step is for you to sign your new DVC documents.  The title company will send you one complete package including loan documents. Once this package is completely executed and returned to your title company, the loan amount will be wired to your title company immediately to ensure a fast closing.

The process is completed in 3 easy steps!

Now go have a Magical vacation year after year and enjoy those DVC villas and ownership perks!


For more information or a free quote email Debbie Ely @ info@vacationclubloans.com or call us at 1-800-334-2334.


Vacation Club Loans is a leader in DVC financing. 
We ensure a fast and accurate process with outstanding customer service.
A+ Rated by the BBB!


Last modified on Friday, 13 March 2020 16:51
Debbie Ely

In 2015, Debbie Ely launched Vacation Club Loans to improve the resale market by offering affordable financing options to DVC resale buyers and other top brands including Marriott, Hilton, Hyatt, and Westin.

Debbie is also a proud owner of DVC!  She uses her points for regular stays at all the Disney properties in Orlando on her monthly trips.  Her biggest DVC highlight was visiting Aulani in Hawaii which she can’t wait to visit again someday.  Her son Zachary, now 17, is a huge Disney fan and loves the Polynesian Villas and Bungalows best which is their home resort.

Debbie Ely holds a bachelor’s degree in accounting and applies her love for math at work every day.  She says “it is such a joy to work hard and love the work you do” while working with buyers and licensed resale brokers.

When not working, she loves to cook including homemade pasta that she learned how to make in Italy as well as find new recipes to try on her family.   She also enjoys listening to science fiction books while driving to and from Orlando.

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