One of the benefits of buying DVC through resale is the flexibility of financing options.  For financing details please see the table below:

Monera-Financial-logo timeshare_logo vacation-club-loans-logo
Length of Term 1 to 10 Years 1 to 10 Years 1 to 5 Years
Down Payment Required Typically 5% to 30% (dependent on contract) 10% to 30% 20%
Interest Rate 9.9% to 15.9% (depending on down payment and length of term) 11.9% to 13.9% (depending on down payment and length of term) 9.9% to 13.9% (depending on credit score)
Credit Check No For loans over $15,000 Yes
Service Fee No $5 per month No
DVC Properties Financed All Florida based DVC properties All Non-Florida based DVC properties All DVC Properties
Pre-Payment Penalty No No No
Loan Minimum $4,000 $4,000 None
Loan Origination Fee $199 $139 $179
Mortgage Recording Yes Yes No