Explore Disney Vacation Club

* Estimated Financing Terms – Important Disclosures and Assumptions: Finance estimate above is based on a total purchase price of $24,375 for an ownership interest represented by 125 Vacation Points at AULANI, Disney Vacation Club Villas, Ko Olina, Hawaii, with a 10% down payment. Financing available to qualified purchasers; not available to residents of CO and DE. Some state minimum and maximum loan amounts may apply. This is not a loan approval or commitment to lend. The actual fees, costs and monthly payment amount on your specific loan transaction may differ and will depend on the final contract terms.

Interest Rate – Fixed annual rate of 12.5% (12.6% APR) represents qualification for the Premium Rate, which requires a minimum credit score of 725, current on primary residence mortgage and no foreclosure in prior 3 years, no open Federal or State tax liens or judgement, no open bankruptcy, no charge off or unpaid judgments greater than $3,000 each or over $10,000 total within the last 3 years, and no active credit counseling plan. The rate is reduced by .50% if automated electronic monthly payments are selected and maintained throughout the life of the loan. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your payment history. Other restrictions may apply. The advertised rate is subject to change.

APR – The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. The APR above assumes a first installment payment within 45 days of loan closing and closing costs of $593.66 and a $225 document preparation fee included in the financed amount. Total amount financed $21,937.50.

Down Payment – A down payment of at least 10% is required. Credits from any incentive offer will not apply toward the minimum down payment required.

Annual Dues Not Included – Financing above does not include annual dues, which are charged separately. Estimated monthly amount shown is based on the 2020 rate. In the first year of purchase, annual dues and/or monthly dues will be prorated or will differ based on the date of purchase and will increase in the future.

Prices and financing offer(s) are subject to change without prior notice.

** Savings are based on a cash purchase of Membership, including closing costs and annual dues, with enough points for a 7-night stay at the Home Resort purchased, every year for the Membership term, compared with renting the same accommodations in the same season at the non-discounted rental rate plus tax. Assumes annual inflation of 4.3% in the rental rate and 4.7% in Annual Dues. Savings begin 6 to 12 years after purchase and may add up to 50% over the Membership term. Prices, rates, dues and other terms may change in ways that could adversely affect the savings.

*** Important Information about Membership Extras:
Membership Extras, such as vacation options in the Disney and Concierge Collections, certain discounts, offers, and special events are incidental benefits. These incidental benefits are subject to change or termination without notice, may require the payment of a fee and cannot be combined with any other offers or promotions. Membership Extras are also subject to availability and block-out dates may apply, including high periods of demand such as Christmas and New Year’s Day. To receive any Membership Extras, purchasers must present a valid Disney Vacation Club Membership Card along with a corresponding valid photo ID. Effective October 19, 2020, to obtain a Disney Vacation Club Membership Card, Members must accumulate a total of at least 125 Vacation Points purchased directly from Disney Vacation Development, Inc. Disney and Concierge Collection options are not available for ownership interests not purchased directly from Disney Vacation Development, Inc. after March 21, 2011, and, effective April 4, 2016, Members who have not purchased an ownership interest directly from Disney Vacation Development, Inc. will not have access to Membership Extras.