Top DVC Contracts with Low Upfront Costs- November 2022

November 14, 2022

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 to offer the lowest down payments on. We also look at the annual dues owed per contract and estimated closing costs. The monthly payments are based on a No Credit Check loan option with a 12 year term.



Listing ID
Asking Price Per PointMinimum Down Payment with Monera FinancialAnnual DuesEstimated Closing Costs
with financing included
Estimated Cash Due at Closing After 10% Deposit is AppliedMonthly Payment through Monera Financial
(with 12-year term)
Beach Club

$1495% with No Credit Check
$0 for 2023
$1,367$485 After the $2,000 deposit is applied
Saratoga Springs


$1155% with No Credit Check
$0 for
$1,314$409 After the $1,911 deposit is applied

Grand Floridian


$1695% ($845)$0 for 2023

$1,238$393 After the $1,690 deposit is applied

Beach Club


$0 for 2023
$1,243$388 After the $1,710 deposit is applied$324.12
Copper Creek


$0 for 2023$1,579$502 After the $1,275 deposit is applied


$0 for 2023$1,403$596 After the $2,000 deposit is applied$383.44
Animal Kingdom


$0 for 2023 + seller will credit $577 for 2024 dues$1,440$133 After the $2,000 deposit and $577 dues credit is applied$408.36

*Disclaimer: Contracts noted in the chart are active listings at the time of this publication. Due to the ever-changing market, they may become sale-pending or removed from the market at any time.

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!

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