DVC Buyer Financing

Need help with financing? Choose from our preferred lenders below.

We highly recommend you check out financing BEFORE you submit an offer.


This company handles only Florida properties. Monera does not
pull credit and does not report to the credit bureau. They will offer you 3 down payment
options and 9 repayment terms, you choose what fits your family’s budget. As long as
you have the down payment you are approved!


Vacation Club Loans lends for all DVC properties with interest rates starting as low as 9.9%. You only need a 600 FICO score for instant approval; however they do not report debt to credit bureaus.

Finance up to 7 years. Your down payment will total 10%. They lend in all 50 states.

Timeshare Lending

The lender for SC, CA & HI is Timeshare Lending. Their guidelines change frequently,
please check their website.

You can always get your own financing however, the property cannot be used as
collateral and that is considered a cash deal.

Financing is available to all US citizens and Canadian citizens who have a US bank
account or RCNB account. (This is only available through Monera for the Florida


How does the whole LightStream loan process work?

  • Apply online. You will receive a response shortly (during business hours).
  • Accept loan agreement. Once approved, e-sign your loan agreement and set up your loan for funding.
  • That’s it! Use your loan. Receive your funds as early as today! †

What kind of fees do you charge?

LightStream does not charge any fees.

Do I have to pay a penalty if I pay my loan off early?

LightStream does not charge any penalties for prepaying your loan, in whole or in part.