45.6 #120 (WDW Qual #1775

Feb 24, 2013 2:25 PM  WDW Talk Land
Good afternoon everyone! I haven't been on here in a while. The trip to Walt Disney World that we were planning to go in June, is unfortunately not going to happen this year. We are hopefully going the first week of June in 2014, and it is looking really good so far. I had a question about Disney Vacation Club. How does the membership work? Is there an option where you can pay monthly payments instead of paying a huge amount of money? Thank you in advance! My family is trying to explore every option to make a great vacation!

Sorry about your trip, as for dvc , we pay monthly payments as well as dues , you put a down payment when you first join , and it goes by points instead of weeks , which I love , gives more freedom , it's not for some people , but I do love it, I wouldn't have been able to go as much or stay where I have without it, we have been able to go a couple times a yr in the past , this past couple trips we stayed at the grand Floridian , I've also done the club floor at the yachtclub , I would never be able to do it without dvc, when you use pts to stay at a deluxe it's points plus a $95 fee , I just love the freedom , - tracsant  1599.6 #4 2:43PM
Thank you! - Cinderella12  45.6 #120 2:49PM
So sorry to hear about your trip. I don't know anything about Dvc sorry, but good luck on 2014 trip!! - ccmom  187.5 #49 3:00PM
Disney offers financing for your initial purchase, however their interest rate is VERY high. I already had financing through my bank at a much lower rate. My goal was to pay it off in less than 2 years. I'm not even 10 months in and I'm more than half way there! I do make monthly payments for my annual dues. - CollegeDisneyKnowledgeGrad  1479.6 #6 3:26PM
Do you know how the financing works for the initial purchase? - Cinderella12  45.6 #120 4:21PM
It's just any other loan, a down payment followed by monthly payments. But, their interest rate was over 10% and I already had under 4% with my bank. - CollegeDisneyKnowledgeGrad  1479.6 #6 5:25PM
DVC is the best way to go if you want to go often and stay at delux resorts. You put 10 percent Dow and pay a mortgage until paid off. There is also your monthly association dues. Mortage and taxes are tax deductible. Most if all when paid off you never pay again for a hotel room. It's good for 50 years and can be passed to your children down the road. - Pooh147856  480.9 #20 3:59PM
When you visit one of the resorts go to the DVC booth, and make a appointment...they will go over everything with you...they will run a credit check to see if you qualify for financing...if you don't then you will need to put a down payment...I think the smallest package was like almost 3,000 down... - islandgirl58  525.9 #18 4:59PM
We were so close to signing up in December. The only reason we did not was the number of years you become locked in. If the time had been cut in half, we would have totally done it! Just hard to know where we (or our kids) will be in 45 years. - mrsincredible  1435.7 #7 5:05PM
45 years?! Geez, that is ridiculous. - EmperorsHandLelundrial  1097.1 #207 5:07PM
My mom will be 70 this year and she's so excited for our DL trip! Considering that, and the fact that I've gone almost every year since I was born, it made sense for me. Everyone's situation is different! - CollegeDisneyKnowledgeGrad  1479.6 #6 5:28PM
Really helped for half of our hotel stay... - islandgirl58  525.9 #18 5:35PM
I like that you can use it for a cruise too, and we have gone with big groups of family and it was wonderful , we've gotten the 2 and 3 bdrms , there is nothing like staying in the 3 bdrm grand villa at the boardwalk , but yes it def depends on the person , but who am I kidding in 50 yrs I will still be going to disney , and hopefully this yr we will use points for DL - tracsant  1599.6 #4 5:43PM
DVC is great. You can finance for 10 years. So once you finish paying for your points then you will pay annual dues. ( We will Be finish paying in 6 more ) I love been able to leave the property to them. So I'm not sticking them with paying thousands of dollars. In addition the can sell the property if they don't want it. - 5disneylovers  1283.6 #8 5:47PM
Leaving the property to our children. - 5disneylovers  1283.6 #8 5:49PM
We loved everything about it except that one little detail. I wish it was right for us. I was sad when we decided against it. 😒 - mrsincredible  1435.7 #7 6:11PM
If it had included flight and food allowances along with hotel accommodations, I would have convinced Mr I to do it! But living in AR, with a family of 5, it's difficult for us to go multiple times a year to either park because of airfare. - mrsincredible  1435.7 #7 6:15PM
Trust me, I'd be there every weekend if I could!! πŸ‘Š - mrsincredible  1435.7 #7 6:16PM
Lol me too - 5disneylovers  1283.6 #8 6:17PM
We have the vacation club also, but remember that you can deed the property and you can stay at other places besides just Disnry properties. We used ours for a weeks stay in San Diego too. Just something to think about... We love ours! - luvthemouse  280.6 #1201 7:54PM
We have had ours for ten years and love it! And we live in California. Yes, the airfare is getting harder and harder to pay, but my husband starts watching the prices a year out and ends up buying about 9 mos out for a good price. So nice not to pay the hotel prices now! We could never afford to pay for the awesome places we stay plus airfare and food! - happygma2  79.9 #84 8:59PM

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Like normal I am late to the party. Reading it now - Tealtownfan  1171.9 #189 3:13PM
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This list needs to be updated! Just saying😬 - MadameLeota  4754.3 #38 9:51PM
is this just a standing thing? Never changes? - DarthFairy  1721.5 #122 8:06PM
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when you are at the top you tend to move slower because its the same folks that frequent the parks most. So hence the top ten.. trolls ;) - Plumiegirl  10907.8 #11 9:55PM
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