Buying DVC Points Resale

Purchasing DVC Points on the Resale Market

The Disney Vacation Club resale market offers a compelling opportunity to enjoy all the core DVC benefits while paying significantly less than Disney's current retail prices. When you purchase points resale, you're getting the same booking privileges, banking and borrowing options, and access to Disney's vacation experiences. The difference is you're purchasing from another member rather than directly from Disney.

We've helped hundreds of families through this process at DVC Sales. The resale market consistently delivers substantial savings without sacrificing the vacation experiences that make DVC membership worthwhile.

Why the Resale Market Makes Financial Sense

Disney's 2026 direct retail prices range from $205 per point for Saratoga Springs and Old Key West to $275 per point for Bay Lake Tower and Beach Club at Walt Disney World. Resale prices typically run 30-50% below these retail costs, representing savings of $15,000 to $30,000 or more on a typical contract.

You'll also find resale contracts available for resorts that Disney no longer sells directly, including Animal Kingdom Villas - Jambo House, Beach Club Villas, and Boardwalk Villas. These established resorts offer excellent locations and proven track records, often at the most attractive resale prices.

Home Resort Priority Window

Every DVC contract includes a designated home resort, which grants you an 11-month booking window versus the standard 7-month window for other resorts. This advantage becomes particularly valuable during busy seasons like Christmas week, Food & Wine Festival, or summer vacation periods when availability fills up quickly.

When you're considering resale contracts, think about which resort you'll want to visit most frequently. If you prefer staying at Beach Club for the proximity to Epcot, purchasing a Beach Club resale contract gives you the best shot at securing those reservations. The same logic applies whether you're drawn to Animal Kingdom Lodge's theming or Bay Lake Tower's Contemporary Resort location.

Current Listings and Contract Details

Our DVC resale listings update daily with new contracts from sellers across the country. Each listing shows the essential information you need: total points, use year, current year point status, and asking price. You'll also see whether points are loaded (meaning extra points are available immediately) or if any points have been borrowed forward.

Use years matter more than many people realize. If you typically vacation in March, a December use year means those points expire if unused by November 30th. An April use year gives you until March 31st. Match your use year to your travel patterns when possible.

Professional Guidance Throughout

DVC Sales operates as a licensed Florida real estate brokerage with team members who previously worked as Disney cast members. We've been helping with DVC resale transactions since 2016, and our experience shows in how smoothly the process runs.

You won't encounter high-pressure sales tactics here. Instead, we focus on helping you understand how DVC works and find the contract that fits your family's vacation plans. The decision timeline is entirely yours.

Transparent Pricing Structure

When you purchase through DVC Sales, you pay the contract price plus standard closing costs handled by the title company. We charge buyers a $500 administrative fee and sellers pay a $150 estoppel fee plus our 6.9% commission (compared to the industry average of 9.5%).

There aren't hidden fees or surprise charges. You'll also pay a prorated amount for any current year points that come with the contract. If the contract includes 150 points and half the use year has passed, you'd pay for roughly 75 points at that resort's current annual dues rate.

Right of First Refusal Process

Disney maintains the Right of First Refusal (ROFR) on all resale transactions, meaning they can choose to purchase your contract under the same terms you've agreed to with the seller. This process typically takes 30-45 days from the time Disney receives the paperwork.

ROFR exists to help Disney maintain some control over the resale market. In practice, Disney exercises ROFR selectively, often based on factors like price per point, resort location, and current inventory needs. Lower-priced contracts have a higher likelihood of Disney intervention, but plenty of well-priced deals make it through the process successfully.

While ROFR adds time to your purchase, it also provides a quality control mechanism. Contracts that pass ROFR meet Disney's standards, giving you additional confidence in your purchase.

User-Friendly Platform

Our website works smoothly across desktop computers, tablets, and mobile phones. You can browse current listings, filter by resort or price range, and submit offers directly through the platform. Once you're under contract, you'll receive regular updates on your transaction's progress from offer acceptance through closing.

The listing details include everything you need to evaluate a contract: point totals, use year, loaded points status, and high-resolution photos of the resort. You can also access Disney's official points charts to understand how your points translate into vacation stays.

Making Your First Resale Purchase

The resale market moves quickly, especially for attractively priced contracts at popular resorts. Well-priced Bay Lake Tower or Beach Club contracts might receive multiple offers within hours of listing. Animal Kingdom Lodge and Saratoga Springs contracts typically offer more time to consider, but exceptional deals still move fast.

Before you start making offers, spend time understanding your vacation patterns. How many nights do you typically stay? Do you prefer studio accommodations or larger villas? Will you visit during value season, regular season, or peak times? The DVC points charts help you calculate how many points different stays require.

Most families find success purchasing enough points to cover their average annual vacation plus a small buffer. You can always rent additional points from other members if you need more for a special trip, or rent out unused points if your plans change.

Financing Options

While Disney offers financing for direct purchases, they don't extend financing to resale transactions. However, several third-party lenders specialize in DVC resale financing with competitive rates and terms. These loans typically require 10-20% down and offer repayment periods up to 10 years.

Many buyers choose to pay cash for resale contracts, especially given the lower purchase prices compared to retail. The money saved on a resale purchase often makes cash feasible when retail prices might have required financing.

Closing Process and Timeline

Once your offer is accepted and clears Disney's ROFR process, closing typically takes 2-3 weeks. The title company handles document preparation, ensures clear ownership transfer, and manages fund disbursement. You'll receive your membership documents and Disney welcome materials shortly after closing.

Your first points become available based on the contract's use year and current point status. If you're purchasing in March with a June use year, you'll likely receive the current year's full point allocation immediately. Points from previous years that haven't been used (banked points) will also transfer to your account.

Long-Term Value Considerations

DVC contracts run until 2042 for most Walt Disney World resorts, with newer properties extending to 2054-2070. This long ownership period allows you to spread the cost across decades of vacations, often making the per-vacation cost quite reasonable compared to paying cash rates for Disney resort stays.

Annual dues increase over time, typically running 3-5% per year. These cover resort maintenance, housekeeping, utilities, and Disney's management fees. The current dues rates vary by resort but generally range from $7-9 per point annually for most Walt Disney World properties.

Unlike traditional timeshares, DVC contracts maintain resale value throughout their lifetime. The resale market stays active, and members can sell their contracts when life circumstances change. While you shouldn't expect your contract to appreciate like real estate, you also won't face the total loss common with other vacation ownership products.

Resort Selection Strategy

Each DVC resort offers distinct advantages. Magic Kingdom area resorts (Bay Lake Tower, Polynesian, Grand Floridian) provide monorail access and proximity to the most popular park. Epcot area resorts (Beach Club, Boardwalk) offer walking distance to two parks and the Boardwalk entertainment district.

Animal Kingdom Lodge provides an immersive African safari experience without leaving your resort. Saratoga Springs offers spacious accommodations and golf course views. Old Key West delivers a relaxed Key West atmosphere with some of DVC's largest villa layouts.

Your home resort choice should align with your preferences, but remember you can book any DVC resort at the 7-month window. Many members strategically choose less expensive home resorts like Saratoga Springs or Old Key West, then use the booking flexibility to stay at premium locations when availability allows.

The resale market provides access to all these options at significant savings compared to retail prices. Whether you're drawn to a specific resort's theming or simply want the most cost-effective entry into DVC ownership, the resale market delivers the same magical vacation experiences at a fraction of the cost.