Buying DVC Resale? Explore New Financing Options from Monera Financial
Owning a Disney Vacation Club membership can open the door to years of incredible Disney vacations. And for many buyers, financing can help turn that dream into a reality. But choosing the right financing option is just as important as finding the right DVC contract. A loan that fits your budget can help you feel more comfortable with your purchase while balancing your monthly payments with your long-term financial goals.
That’s why we’re excited to share that our financing partner, Monera Financial, is introducing new 5-, 10-, and 15-year financing options!* These expanded options give DVC resale buyers more flexibility to choose a repayment timeline that works for them, bringing the possibility of DVC ownership one step closer.
What’s New with DVC Resale Financing?
Monera Financial is replacing its previous 4-, 8-, and 12-year rate categories with new 5-, 10-, and 15-year categories. Buyers can still explore loan terms ranging from 1 to 15 years, with interest rates based on the new term categories. Term availability depends on the contract.
The additional flexibility gives buyers more ways to balance a manageable monthly payment with a repayment timeline that suits their financial priorities. A longer term may lower the required monthly payment, but it can also increase the total interest paid over time.
Choosing a Financing Option That Works for You
There is no single loan term that works best for every DVC buyer. Here is a simple way to think about the new financing categories:
| Term category | What to consider |
| 5 years | Generally higher monthly payments, with a shorter repayment timeline. |
| 10 years | A middle ground between payment size and time to repay. |
| 15 years | Generally lower monthly payments, with a longer repayment timeline and potentially more total interest. |
Your actual monthly payment and overall borrowing cost depend on factors including the loan amount, interest rate, and selected term. Compare the total repayment cost as well as the monthly amount before making a decision.
Another benefit of financing through Monera Financial? There are no prepayment penalties! Regardless of the loan term you choose, you can make additional principal payments at any time to pay off your DVC loan sooner and reduce the total interest paid. This gives you the flexibility to choose a repayment timeline that fits your budget today while still having the option to pay down your balance faster in the future.
How Financing Fits Into Your DVC Resale Purchase
Before choosing a loan term, it helps to look at the DVC contract itself. Your Home Resort, number of points, and ongoing ownership costs all affect the overall budget.
Consider Your Home Resort
Your Home Resort determines where you have an 11-month booking advantage, compared with the seven-month booking window at other eligible DVC resorts. That can matter if you have a favorite resort or travel during popular periods. It is worth choosing a contract that fits how you actually vacation, not just the monthly payment.
You can compare resorts, point sizes, and prices in our available DVC resale listings.
Think About How Many Points You Need
The number of points in your contract helps determine the purchase price and how many points you have to use for vacations each year. Think about how often you travel, the size of accommodations you prefer, and the seasons when you typically visit. A contract with more points may offer additional vacation options, but it also increases the purchase cost and annual dues.
Look Beyond the Monthly Loan Payment
Your budget should account for more than principal and interest. Depending on your purchase, you may also have a down payment, closing costs, and annual DVC dues. Annual dues are ongoing ownership expenses and vary by resort and number of points.
For more context, read our guides to understanding DVC annual dues and making a DVC contract more affordable. They can help you evaluate the full cost of ownership before deciding how much to finance.
Explore Your DVC Financing Options with Monera Financial
Whether you are purchasing your first DVC resale contract or adding points to an existing membership, exploring financing early can help you shop with a clearer budget in mind.
Visit Monera Financial’s Instant Quote tool to experiment with loan terms and down payment amounts, compare estimated monthly payments, and see which approach may fit your plans. You can also learn more about DVC resale financing as you prepare for your purchase.
*Loan terms and availability are subject to contract eligibility and lender requirements.
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