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Financing Calculator

You may be able to finance your purchase through Disney Vacation Club—or you can always consider options from other sources.

Use the calculator below to estimate your monthly payments.
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Home Resort Tool Tip
Your Home Resort is the specific Disney Vacation Club Resort where you purchase your deeded real estate interest.
Vacation Points Tool Tip

When you purchase a real estate interest in a Disney Vacation Club Resort, it's represented by an annual allotment of Vacation Points. You may purchase up to 4,000 Vacation Points at a single Disney Vacation Club Resort.

The purchase price is currently $176 per Vacation Point at the following Resorts:

  • Disney's Polynesian Villas & Bungalows
  • Aulani, Disney Vacation Club Villas, Ko Olina, Hawai‘i

Prices are subject to change.

Downpayment Tool Tip
A total down payment of at least 10% is required.
Interest Rate Tool Tip

Your personal credit rating is a self-assessment of your spending and payment habits and the amount of your overall debt. Rates, terms and payments will vary depending on actual credit history, required down payment and loan term.

This is for modeling purposes only. We will run your credit at the time of purchase.

Loan Term Tool Tip
This is the length of time you choose to pay off your loan.
Closing Cost Tool Tip
One-time closing costs vary based on the number of Vacation Points purchased—and also vary based on the state where the Home Resort is located. Closing costs are typically lower when paid with cash rather than financing.
Dues Tool Tip
Similar to homeowner's association fees, Annual Dues go towards your Resort's operating costs, administrative expenses, refurbishment expenses and real estate taxes.

Annual Dues are calculated on a per Vacation Point basis. The amount you pay is determined by the size of your ownership interest.

Estimated Costs

Please select a home resort to get started.

Note: The above features are for informational purposes only and are designed to help estimate financing costs and monthly payments if you are considering financing the purchase of a Disney Vacation Club Membership with Disney Vacation Development, Inc., which may offer financing for qualified buyers. Any estimate derived from these features does not necessarily reflect the actual costs associated with purchasing and financing of a Membership and relies on assumptions and information provided by you. Such costs will be determined at the time of purchase. Rates, terms and payments will vary depending on actual credit history, required down payment and loan term. The above does not represent or constitute an actual offer to extend credit. In order to obtain financing, a formal Mortgage application is required and approval is not guaranteed. Financing by Disney Vacation Development, Inc. is subject to change or withdrawal without notice. Prices, terms and other figures change from time to time. Please consult with financial, tax and legal advisers for any advice relating to your purchase and financing decisions. You may revisit this page and update your estimate as often as you’d like.

The purchase of an ownership interest should only be used for personal use and enjoyment, should be based upon its value as a vacation experience and should not be for the purpose of acquiring an income or appreciating investment. Other incentives affecting the final price per Vacation Point may apply.