No Credit Check or Credit Check? What’s the Best Financing For You?

June 15, 2022

If you are in the market for a Disney Vacation Club contract or looking to refinance your existing contract, you may have found yourself on our new website browsing financing options and wondering the differences between the no credit check and the credit check models. The best choice for you may depend on your individual situation as well as the contract you are looking to purchase. Our improved Instant Quote Tool is going to make comparing your choices easy. In addition to using the quote tool, let’s breakdown the benefits of both models to help you make an informed decision when shopping for a DVC loan.

Use the Instant Quote Tool to instantly view your financing options.

No Credit Check

Our No Credit Check model is exactly what it sounds like. We will not run your credit. Because of this, everyone is approved. This can be beneficial if your credit isn’t exactly where you would like or you are trying to protect your credit for an upcoming purchase. With the no credit check option, the down payment will depend on the resort and points. The best way to explore this option is by using our Instant Quote Tool.

Credit Check

The credit check option can be a great choice for those looking for a lower down payment and the lowest interest rates we offer. Choose the Optional-Credit Check below the down payment to explore this option. A credit score in the Excellent (800+) range only requires 5% down. Scores in the Great (700-799) and Good (650-699) range will require 10% down. With the credit check model, you can get as low as an 9.9% interest rate with Excellent credit on terms up to 8 years and 10.9% on terms up to 12 years.

The Instant Quote Tool allows you to compare both options side by side.

Regardless of the option you choose, Monera Financial offers everyone terms up to 12 years along with a variety of down payment options. Our interactive Instant Quote Tool is a great resource to plug in the specifics of contracts you’re shopping for to see your different options. Use this resource freely as you browse DVC listings. If you would like to speak to a team member to further discuss financing, don’t hesitate to contact us at 1-855-DVC-FUND (382-3863) or email us at [email protected]. We look forward to hearing from you!

Related Posts

September 8, 2023
Five Benefits of Using Monera You Might Not Know About

Here are some great benefits of using Monera Financial that you may not know about!

Continue Reading
June 12, 2023
Top DVC Contracts with Low Upfront Costs- June 2023

Highlighted below are our top picks for DVC resale contracts currently listed for sale through DVC Resale Market. These contracts are highlighted to show you how to become a Disney Vacation Club member with the lowest upfront costs. When looking to lower your estimated out-of-pocket costs, we take into account contracts that we are able […]

Continue Reading
Main Page Photo
August 11, 2021
Welcome to the New Monera Financial Website!

We are excited to announce the launch of our new website at! Everything you know and love about Monera Financial and our hassle-free lending model has been combined with a new look and user-friendly tools.

Continue Reading