How to Afford DVC: Low Down Payment Hack

Alessa Dufresne

How to Afford DVC: Low Down Payment Hack

This article contains sponsored content from World of DVC.

If you have been debating purchasing a Disney Vacation Club membership, but the price has deterred you, we have the perfect financial solution for you — and you will save thousands.

Being a Disney Vacation Club member is a goal for many Walt Disney World fans, considering it gives you the guaranteed option of having a place to stay at least once a year. You can choose your home resort, which is always a deluxe resort, and it is something you can share and pass down to your family for decades. Suppose you plan on visiting a Disney property for the next 40 years and want to stay in a deluxe-level resort. In that case, it is no question that DVC will provide you with savings in comparison to what Disney offers on their website for regular guests looking to book similar rooms. That being said, DVC memberships are quite costly.

WDW BoardWalk Inn night stock

You have to pay each year for your membership, pay added yearly fees, closing costs, and a hefty down payment. So, unless you have $35,000+ or more ready to pay (or you’re willing to finance at a high-interest rate), DVC may feel like an unattainable goal. Buying through Disney might not be affordable for many Disney fans, but purchasing a resale contract from DVC Resale Market is!

DVC Resale Market purchases contracts from DVC members looking to sell their contracts and then resells the points for a fraction of the cost. This allows guests purchasing through DVC Resale Market the chance to save tens of thousands of dollars. By purchasing through DVC Resale Market, the price per point can drop up to 60%, which means that you will have a lot more money for fun add-ons like your Walt Disney World Annual Pass, dinner at Cinderella’s Royal Table, Mickey Premium Bars and churros, as well as all the Minnie ears you would like!

One of the best perks that DVC Resale Market offers is the low down payment options. As DVC Resale Market states, “by financing through Monera Financial, you are able to roll in the majority costs! In the past, if you were financing, closing costs used to be an additional out-of-pocket expense. But now with the ability to roll the majority of those costs in, buyers can take advantage of the current market, with the lowest out-of-pocket costs. Buyers who finance these contracts through Monera Financial will enjoy low upfront costs – under $2,000! This includes the down payment, closing costs, and loan origination fees. These listings are perfect for first-time buyers looking to dip their toes into Membership, or existing Members with a smaller budget looking to add on.”

Below, let’s take a look at the difference in savings per point that DVC Resale Market offers for each Disney Resort, in comparison to what you would pay if you purchased your contract straight through Disney.

(Based on
April ’23 Sales)
(Disney Vacation Development)
Difference Per Point
(Direct – Resale)
Percentage Savings with Resale
Animal Kingdom$121$210$8942%
Bay Lake Tower$155$275$12044%
Beach Club$147$275$12847%
Boulder Ridge$107$215$10850%
Copper Creek$159$250$9136%
Grand Californian$257$310$5317%
Grand Floridian$162$217$5525%
Hilton Head$73$165$9256%
Old Key West$96$205$10953%
Old Key West – Ext$114$205$9144%
Riviera Resort$134$217$8338%
Saratoga Springs$108$205$9747%
Vero Beach$60$150$9060%

As you can see, the savings can be immense, which can be the difference for many between affording a Disney vacation each year, and not being able to. Plus, with the rising costs that we have seen continue to escalate at Disney, DVC prices included, purchasing a contract now will lock you into a rate and deal that may never end up costing this low again.

If purchasing a DVC contract for less is something you are interested in, or you would like to learn more about how you can save, contact our friends at DVC Resale Market today! They are DVC experts and will be sure to find you the contract you want, at the resort you want, at the price you want. Click here to begin your magical Disney Vacation Club journey!

Are you looking to book a Walt Disney World Vacation? We have a way that you can go on a Disney vacation for the best price possible, with expert help! Plus, it’s 100% FREE! Our friends at Be Our Guest Vacations are Disney experts and will be able to create the most magical trip at the best price possible. Click here to begin planning! You will soon be on your way to Magic Kingdom, Disney’s Animal Kingdom, Disney’s Hollywood Studios, and EPCOT, with the perfectly planned itinerary!