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Buying DVC Resale vs. Direct: The Pros, Cons, and Everything in Between

After almost a year of stay-at-home orders and lockdowns across the country, you're probably craving a vacation right now.

Safe travels may be off the cards for the foreseeable future, but there's nothing to stop you from dreaming of your next magical escape. While you're considering your options, why not look into Disney's Vacation Club concept.

Find out more about how to get in on all the action of the Magic Kingdom with this comparison between DVC resale vs direct DVC sales.

What's the Difference Between DVC Resale vs Direct Sales?

Disney Vacation Club works on similar principles to conventional timeshare. For starters, you buy a week at a home resort that you can book up to eleven months in advance.

Your home week's also worth a certain number of points that you can use to visit other equivalent resorts in Disney's portfolio by booking within seven months of your occupation date.

You can use these weeks every year provided you pay an annual fee that covers the upkeep of your space and time at the resort.

You'll find more about the DVC use year explained on this page.

You can buy into this shared vacation scheme by purchasing your week directly from Disney Vacation Club or via a third-party broker.

Since DVC weeks constitute real property, only licensed real estate agents or the registered owner can offer them for sale.

Most DVC owners who want to sell their interest do so via a broker since these professionals have the resources to market and sell their weeks more efficiently.

DVC resale weeks are much cheaper than the original since they don't come with all the perks of a DVC membership.

DVC Direct vs Resale Perks

There are a few differences in the benefits associated with buying DVC direct vs resale contracts. When you buy your points directly from Disney Vacation Club, you'll pay much more but you'll also get more perks.

Members buying resale points have certain limits associated with their membership that don't apply to direct sales members. They can't make reservations for the Concierge or Disney Collection options like Adventures by Disney, Disney Cruise Line, or certain Disney resorts.

Some of the other exclusions are member discounts on shopping, dining, and annual passes, some special member offers, and exclusive member events.

Resale members can't book accommodation at any of the new Disney resorts.

Resorts Available to DVC Direct vs Resale Members

You can still book the original 14 Disney resorts. These include the following resorts at Walt Disney World:

  • Animal Kingdom Villas
  • Bay Lake Tower
  • Beach Club Villas
  • BoardWalk Villas
  • Wilderness Lodge Boulder Ridge Villas
  • Wilderness Lodge Copper Creek Villas and Cabins
  • Old Key West Resort
  • Saratoga Springs Resort & Spa
  • The Villas at Disney’s Grand Floridian
  • Disney’s Polynesian Village Resort Villas & Bungalows

You can also book at Aulani Villas in Hawaii, Vero Beach Resort in Florida, Hilton Head Island Resort in South Carolina, and the Villas at the Grand Californian Hotel and Spa at Disneyland Resort.

You also have access to over 500 international resorts via RCI's World Collection.

The DVC Membership Card

A major perk of buying DVC direct is that you'll receive a DVC membership card.

This is your golden ticket to a host of ever-evolving savings wherever you travel with DVC. You can get regular discounts on shopping and meals as well as reduced ticket prices and the ability to pool-hop between resorts.

Concerning making bookings at the restricted resorts, when you do the math, you'll usually conclude that it's cheaper to pay cash for these reservations than to go to all the expense of buying a direct membership.

Remember, you can also rent these resorts direct from DVC members at a fraction of the cost of booking with the resort.

This is especially true when you consider that, if you vacation once a year, it's going to take you 14 years just to experience the resorts you can book via a DVC resale membership.

Cost Comparison of Resale DVC vs Direct

You can save up to 50% on the price of your original weeks when you buy a resale membership. You can also purchase a minimum of 25 points as opposed to the 100 lower limits imposed by direct sales to new buyers.

You'll have to pay closing costs on both types of membership, although these will be around 10% of the total cost of your membership, so they'll be less when you buy resale points.

The annual fees are the same for both options.

Finance Options When Buying DVC Resale vs Direct

You can finance both types of purchases. Most members opt for small home equity or signature loan with their bank. These two options provide the best interest rates.

You can also contact a few lenders who specialize in timeshare loans. These are:

  • Monera Financial mortgage loans for home resorts located in Florida
  • Vacation Club Loans which are personal loans applicable to all DVC properties
  • The online lending division of SunTrust Bank called Light stream for unsecured timeshare financing

Members who buy direct from DVC can take advantage of vacation club loans provided by DVC themselves.

Choosing the Best Options for Your Family

Have you made up your mind about DVC resale vs direct DVC sales yet? Either one offers boundless opportunities for family fun during your vacation time.

The choice depends mainly on your needs and (most importantly) what you can afford.

Keep browsing our blog for more interesting information on a wide range of topics, including the world's best vacation destinations.

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