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There are two major distinctions between buying direct and resale: the cost and ability to finance. Disney has their own lending division, so they can help you get financing very quickly and easily, whereas financing a resale purchase could be a bit more challenging. There are third-party lenders for timeshares, and some of the resale companies can help facilitate the process of obtaining a loan with one of them. The rates for third-party financing are generally quite high, though Disney's rates are as well. We are not going to be honest, we believe that the cost of financing the costs of a DVC member, no matter who you take the loan from, far too high. We recommend you establish saving accounts when you don't have the reasons to dvc resales. If you decide to finance your purchase, look at all the possible alternatives prior to deciding on the Disney financing. If you're in a position to do so to finance the purchase, it might be more prudent to obtain an interest-free credit line from your credit union or bank. DVC purchaseIf you buy directly from Disney it is possible to purchase the exact amount of points you'd like, whereas with resale you have to buy the entire contract. In other words, you'll either have to be flexible in size or wait for a contract which is the size you require to be available for purchase. Directly purchasing means that you need to buy an amount of points before becoming an official member. But, you are able to still buy any size contract with sell dvc, that is up to 25 points. Keep in mind, though that there are plenty of 100-180 point contracts available in the resale marketplace, however, very few are truly small or huge. DVC points Important note: newly purchased points from resales do not enjoy the same rights that points purchased directly from Disney. All dvc points regardless of when they were purchased can be used to make reservations for all Disney Vacation Club resorts adventurer collection. Bear in mind that the redemption options which were taken away in 2011 for buyers who resold their DVC points are a very poor use of DVC points. Special exchange options such as Disney Cruises or the Concierge Collection need a huge number of points. Additionally, the value you get from the points you earn is minimal - in fact, so little that if you purchased DVC points in the direct market and used them only for exchanges such as cruises, you might never make even money on the purchase. There is no advantage if you purchase an entire year's worth of DVC points on Disney Collection or Concierge Collection. This is because your break-even point of the initial purchase has been extended by about one year. In pretty much every case you are able to rent your points in exchange for cash or use the cash to pay for the cruise or any other exchange and then have the money leftover. Staying at DVC resorts is the ideal option to make use of DVC point. Points bought on the marketplace for resales will allow you to accomplish this. If you want to make use of DVC points on an Disney cruise, or to stay at an un-DVC Disney resort, you will be required to purchase the points directly from Disney. Final Words The DVC purchase is a way of making a commitment to an annual Disney holiday with family and friends. This may be more important than budgetary considerations for certain people. It is up to you to determine if DVC membership is a good fit in your particular situation.
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