Learn how DVC point borrowing works, when to use it, and the rules every member should know.

The Disney Vacation Club (DVC) offers members flexibility through banking and borrowing points. While banking extends the life of points, borrowing lets you use future points for an earlier vacation. Understanding how point borrowing works can help you maximize your membership and avoid losing valuable vacation time.

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What Is Point Borrowing?

Point borrowing allows DVC members to take points from their upcoming Use Year and apply them to a current reservation. For example, if you have 100 points this year but need 150 to book a week at Bay Lake Tower, you can borrow 50 points from the following year.

Disney manages this process through its official system, so once borrowed, points are immediately available for use. However, they cannot be returned to the original Use Year once the transaction is complete.

How Does the Point Borrowing Process Work?

1. Plan Your Reservation: Decide how many points you need by checking the DVC Points Charts.

2. Borrow From Future Points: During booking, you may borrow points from your next Use Year to meet the required total.

3. Complete the Reservation: Disney applies both current and borrowed points to confirm your stay.

Members often use this option when planning longer stays at popular resorts like BoardWalk Villas or Grand Floridian, where higher point totals are required.

Important Rules to Remember

Disney Vacation Club places limits and rules around borrowing to maintain balance:

• Points can only be borrowed from the next Use Year, not multiple years in advance.

• Once borrowed, points are locked into the current year and cannot be returned.

• Borrowed points expire at the end of the Use Year they were moved into.

• Availability is based on resort demand, so early booking is recommended.

To avoid surprises, members should review their Use Year details and check deadlines for banking and borrowing.

Benefits of Point Borrowing

Borrowing points is especially helpful for:

• Booking larger accommodations, such as 2-bedroom villas at Aulani.

• Extending vacation length beyond what your current year’s points allow.

• Taking advantage of high-demand dates, like holidays or summer breaks.

It gives families flexibility to create magical experiences even when their annual allotment falls short.

Considerations Before Borrowing

Before borrowing, think about how it impacts future vacations. Using next year’s points now may leave you with fewer options later. For members uncertain about borrowing, renting additional points through DVC Sales can be a good alternative.

Additionally, compare the costs and long-term value by exploring DVC Resale Listings or using the DVC Point Calculator to plan future trips.

Conclusion

The DVC point borrowing process adds flexibility, allowing members to enjoy more memorable vacations at Disney resorts. By understanding the rules and planning, members can maximize the value of their points while avoiding potential pitfalls. Whether you’re staying at Old Key West or exploring newer properties, borrowing points can help make your vacation dreams a reality.