How to Make a DVC Contract More Affordable

Purchasing a DVC contract can be a considerable investment, but there are ways to make it more affordable. From choosing the most economical home resort to renting out points occasionally, it may be easier than you think to purchase a DVC contract.  

Find the Most Economical Home Resort

If you are looking for the most bang for your buck, look for the most economical home resort. DVC Resale Market regularly ranks the most economical resorts based on average price per point, current annual dues, and the number of years remaining on the deed. As of the latest report, Riviera, Copper Creek, and the Polynesian top the list in terms of giving you the best value for your money.

Finance Your Contract

Our friends at Monera Financial make it easy to finance a DVC contract and break it down into more affordable monthly payments. They even offer a no credit check option. For example, a 125-point Polynesian contract selling at $168 per point (a total of $21,000) could be financed for 12 years with the no credit check option.  

Monera Financial quote with no credit check option

The estimated cash to close with this option would be $3,716.95, which would cover the down payment, title company costs, financing fees, and Disney contract administration fee. The estimated monthly payment would be $313.33.  

Put Vacation Funds Towards a Contract Instead of a Single Trip

If you were planning a cash stay at a Disney Resort, that can easily cost the same as or more than the amount of cash needed to close on a new DVC contract. For example, a stay in a Polynesian Deluxe Studio in late December 2026 costs $1,189.15 per night excluding taxes, even after the holiday season promotion. That money can easily cover the cash needed to close on a resale contract.  

Polynesian Deluxe Studio (Photo Courtesy of WDWNT)

Rent Out Points to Help Cover Expenses

Once you have your own DVC contract, you can use your points to help cover loan payments or annual dues. If there are years that you do not have plans for your points, DVC Rental Store makes it easy and secure to turn your points to cash. Currently, you can get up to $24 per point when you rent out your points.  

Access all available Disney Vacation Club resale listings, or learn more about buying and selling with DVC Resale Market.

If you’d like to make an offer or request a free consultation about buying or adding to your DVC contract, the DVC Resale Market team is here to help!