Becoming a DVC Member is a huge milestone for Disney fans. It's the time many go from visiting often to visiting every year. Sometimes even more! The promise of annual hotel stays for decades comes with a bigger financial commitment than just paying for a single resort stay. How much do you pay monthly for DVC? This depends on if you take out a loan or not, how many points you buy, the home resort you choose and if you buy resale or direct. There are many ways to splurge or save on a DVC Membership.

Let's go over the different options and prices for potential Members when it comes to joining or adding on points. What you will pay monthly for DVC varies greatly based on your personal choices. We have all of the information here for you to get an approximate range for what you might pay monthly for Disney Vacation Club.

The Overall Price of DVC Memberships

First, let's go over how DVC pricing works. Disney Vacation Club is a point based system. People buy the amount of points that suits their vacation needs. Then they book their stays using those points. The amount of points you purchase is what you'll be given to use every year.

Let's say you purchase 150 points. Each year for your use year, the month your points are distributed, your annual 150 points will be in your account.

That 150 points can get you a week at many resorts. Different rooms and views at resorts cost different amounts of points. It's also good to know the per point price of DVC is different at each home resort.

So you take the per point price and multiply it by the number of points you have. This is how much your Membership costs overall. When you purchase, there will be some other one time costs necessary to become the owner.

Then there are annual dues. These vary by home resort and go up a little bit each year based on need.

The Big Picture: How Much DVC Costs

Below we have some examples of per point pricing. One column shows what points cost when you buy from Disney directly. The other shows the average resale price. You'll see it can cost much less to buy resale from another Member selling their contract. Resale DVC works nearly the same at most resorts, though there are some restrictions. The contracts are the same length as when you buy from Disney directly.

Disney Vacation Club Home ResortResale Average Price around late 2024 and early 2025Direct price 2025Disney’s Animal Kingdom Villas$99$210Aulani, Disney Vacation Club Villas$191$235Bay Lake Tower at Disney’s Contemporary Resort$125$275Disney’s Beach Club Villas$124$275Disney’s BoardWalk Villas$109$240Boulder Ridge Villas at Disney’s Wilderness Lodge$95$215Copper Creek Villas & Cabins at Disney’s Wilderness Lodge$129$250The Villas at Disneyland Hoteln/a$245The Cabins at Disney's Fort Wilderness Resortn/a$235The Villas at Disney’s Grand Californian Hotel$248$310The Villas at Disney’s Grand Floridian Resort$155$230Disney’s Hilton Head Island Resort$59$165Disney’s Old Key West Resort$76$205Disney’s Polynesian Villas & Bungalows$162$235Disney’s Riviera Resort$109$235Disney’s Saratoga Springs Resort$93$205Disney’s Vero Beach Resort$46$150

So to see what you might pay for DVC, take the number of points you're considering and multiply it by the price listed here. You can get familiar with point values by looking over the DVC point charts. With resale, this truly just gives you an idea as prices often change. There may be pricing incentives when you buy direct and DVC resale is negotiable if the seller is willing. Looking for current DVC resale rates or talking to an Expert will help you get the most accurate number to anticipate.

If you choose to buy your Membership outright, you will only have annual dues to pay monthly.

How much do you pay monthly for DVC annual dues?

Whether you finance DVC or buy it upfront, you will stay pay annual dues. These DVC maintenance fees can be paid once a year or monthly. The amount a Member pays for annual dues depends on their home resort and the number of points they own.

Based on the 2025 dues prices, someone who owns 100 points at Disney's Animal Kingdom Villas pays $965 in annual dues.

Disney Vacation Club Resort2025 Annual DuesDisney’s Animal Kingdom Villas$9.65Aulani, Disney Vacation Club Villas$10.12Aulani, Disney Vacation Club Villas purchased before 7/27/2011$7.61Bay Lake Tower at Disney’s Contemporary Resort$8.02Disney’s Beach Club Villas$9.12Disney’s BoardWalk Villas$9.06Boulder Ridge Villas at Disney’s Wilderness Lodge$9.19Copper Creek Villas & Cabins at Disney’s Wilderness Lodge$8.49The Villas at Disneyland Hotel$9.82The Cabins at Disney’s Fort Wilderness Resort$11.88The Villas at Disney’s Grand Californian Hotel$8.80The Villas at Disney’s Grand Floridian Resort$7.93Disney’s Hilton Head Island Resort$11.92Disney’s Old Key West Resort$10.50Disney’s Polynesian Villas & Bungalows$7.93Disney’s Riviera Resort$9.06Disney’s Saratoga Springs Resort$8.54Disney’s Vero Beach Resort$14.30Disney’s Vero Beach Resort if purchased before 1/1/1996$11.24

How much do you pay monthly for DVC with a loan?

Disney Vacation Club provides an excellent value on your Disney hotel stays but does require a large financial commitment up front. You are able to take a loan out to buy DVC. How much do you pay monthly for DVC? Vacation Club Loans, the preferred lender of DVC Resale Experts, can help you explore options for financing your perfect DVC resale contract. They are proud to offer guaranteed approval for DVC loans and do not charge any loan origination fees. This can save buyers $199 or more at closing.

If you want to pay for DVC using a loan, you may want to consider what monthly payment amount makes sense for your budget. This can help you choose the best options for your financial needs. Knowing your budget and working backwards to find the right amount of points based on that can guide your decision making. Your money can go much further with resale.

The most helpful tool for those considering financing is the Disney Vacation Club loan calculator.

How long are DVC loans?

The length of a DVC loan varies based on your choosing. Ten years is the most popular length. You may opt for a smaller three or five year loan based on your needs. Loans can be financed for up to 120 months and have no prepayment penalty.

How much are DVC interest rates?

Interest rates will depend on the current market and your credit score. As with any loan, you should talk to a professional for more information. DVC financing can make owning points a possibility. 

Can you finance DVC resale?

You can finance both DVC resale and DVC direct. You do not need to finance with Disney.

Can you refinance DVC?

Yes, you can refinance your DVC loan. Borrowing for DVC is similar to other loans. You may want to look into what your current rate is and see if it makes sense to refinance your DVC loan.

How to afford Disney Vacation Club: Pay Monthly with DVC Loans

It's no secret that you can save quite a bit on Disney hotel stays with Disney Vacation Club. After taking a glance at pricing, some people may be deterred from purchasing. Even though you're saving with DVC, per point prices can really add up. DVC loans can make the Disney timeshare more attainable for potential Members. Especially when you can pay it off early with no penalty.

Is it worth it to take a loan out for DVC?

When you are doing your research, you'll want to consider the resort you're interested in specifically. Waiting to save up may not be the best option. If you look at pricing trends for Disney Vacation Club, you'll see prices tend to rise every year. Something you'll want to research and consider is what it would cost to finance DVC vs. how much per point prices may go up in the next few years. It may work out in your favor to borrow if DVC prices go up more than you would pay in interest. 

DVC Resale Experts Can Help

DVC Resale Experts is a licensed real estate broker with a team that specializes in resale DVC. How much do you pay monthly for Disney Vacation Club? Talk to an Expert about the possibilities. Whether you’re adding on points, buying or selling Disney Vacation Club, the Experts can help you find the right price to place a bid with or list your contract for. Our independent, licensed real estate agents are former Disney Vacation Club Guides. They have decades of pixie dusted experience selling DVC and delight in providing excellent service to their clients. The Experts have seen it all and are happy to answer your questions throughout the process.

DVC resale prices can pleasantly surprise Members interested in selling DVC. See our resale DVC listings for a look at real time availability and pricing. Ready to sell DVC? Get in touch for a complimentary valuation of your specific contract today. There may be someone waiting on our Buyer Wish List for a contract just like yours.