Compare financing options for a Disney vacation

How to manage the cost of a trip to Main Street, USA.

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A happy family at a theme park

A Disney vacation can easily set you back thousands of dollars. But if you’re set on visiting the Magic Kingdom or a resort, there are ways to save on the cost — or otherwise make it a little more affordable in the short term.

How can I finance a Disney vacation?

There are several ways you can finance your Disney vacation both from Disney and private companies.

Credit cards

  • Best for: Short-term financing for a one-time Disney vacation.

A credit card can be a great choice to pay for a Disney vacation, especially if you’ll pay off your balance within a few months. Many card providers classify Disney tickets and vacation packages as travel — in which case you could earn attractive bonus rewards.

You could save a lot on interest with a 0% intro APR card. Most cards of this type offer intro periods up to 9 months or more. If you pay off your balance before your intro APR expires, you could enjoy an interest-free Disney trip.

Be careful with intro APRs

With an intro APR, you might be tempted to make a big purchase now and pay it off much later. But this is usually a mistake. Once your intro APR expires, your balance could accumulate interest at a double-digit ongoing APR.

Have a blast during your Disney vacation, but make sure it doesn’t stress you out later. Consider making a plan to consistently pay off your Disney debt each month. When the sun sets on your intro APR, you can reminisce about your amazing trip instead of worrying about interest payments.

Disney Vacation Club

  • Best for: Financing an annual Disney vacation for years to come.

If you’re no stranger to Disney vacations — or see several on the horizon — it might be worth investing in a Disney Vacation Club (DVC) membership. Becoming a member can potentially save you up to 50% on some package deals, but it might not be worth the investment if you only plan on going once or twice. Members typically will see savings 6 to 12 years after signing up.

The DVC is a timeshare on a Disney Vacation Club Resort. As a member, you can can buy or earn points, which you can use to book a room at any Disney resort. You also get access to membership perks like exclusive events and shorter lines at some Disney parks.

How much does the Disney Vacation Club cost?

There are several costs to consider when signing up for a DVC membership:

  • Purchase price. It costs $188 (USD) per point, though you’ll have to fork over at least $18,800 (USD) for 100 points when you sign up — or finance this cost.
  • Closing costs. Closing your membership starts at $454 (USD), depending on your home resort and how many vacation points you own.
  • Annual dues. Members pay an annual fee that breaks down to at least $62 (USD) per month.
Financing the purchasing price

If you’re short the $18,800, Disney offers loans to its customers. Typically, you’ll have to make a down payment and then pay it off plus interest and fees over several years. On a 10-year loan for the minimum 100 points, you can expect to pay at least $265 (USD) per month.

Several third-party companies also offer financing specifically for the DVC, though you might get a better deal with a standard personal loan.

Another popular way to take advantage of the DVC program is to rent points from a DVC owner. If you don’t already know someone directly, you can pay for a service to connect you with an owner. Or you can find an owner on an online forum — potentially less expensive, but more of a risk since there’s less security.

Personal loan

  • Best for: Long-term financing for the occasional Disney vacation.

If you need more than 6 months to pay off your vacation, a personal loan could help you cover the cost. Personal loan rates typically start lower than what you’d pay on a credit card, and terms typically run from 3 to 5 years.

Compare financing options

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express Cobalt Card
19.99%
21.99%
$120
N/A
Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
Earn up to 30,000 Membership Rewards points in your first year.
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
BMO AIR MILES World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
Get 1 AIR MILE for every $10 spent on eligible purchases and get 5x the Miles at Shell until December 31, 2020.
Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year. Get 5x the Miles at Shell until December 31, 2020.
Marriott Bonvoy American Express Card
19.99%
21.99%
$120
N/A
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
$80,000
Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
Shell AIR MILES Mastercard from BMO
19.99%
22.99%
$0
$15,000
Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
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Compare up to 4 providers

Name Product Interest Rate Max. Loan Amount Loan Term Fees Min. Credit Score Link
Fairstone Personal Loan (Unsecured)
26.99% - 39.99%
$20,000
6 months - 5 years
None
560
Go to site
More Info
Fairstone offers unsecured personal loans up to $20,000
Cash Money Installment Loan
46.93%
$10,000
6 months - 5 years
Vary across provinces/territories
560
Go to site
More Info
Cash Money offers installment loans up to $10,000 for AB, MB and NB residents.
LendDirect Personal Loan
19.99% - 46.93%
$15,000
No end dates
None
560
Go to site
More Info
Borrow up to $15,000, based on your income and credit history, with a personal line of credit from LendDirect.
LendingMate Personal Loan
43% (British Columbia and Ontario) and 34.90% (Quebec)
$10,000
1-5 years
None
700
Go to site
More Info
LendingMate offers loans to Canadians with poor credit with no credit checks. Guarantor required for application.
Fairstone Personal Loan (Secured)
19.99% - 23.99%
$35,000
3-10 years
Varies by province
560
Go to site
More Info
Fairstone offers secured personal loans up to $35,000.
Alpine Credits Home Equity Loan
10.00% - 22.99%
$500,000
Up to 60 months
Between 5% - 8% of your APR will cover closing and admin fees.
300
Check eligibility
More Info
Alpine Credits offer home equity loans in amounts from $10,000 to $500,000. Must be a homeowner to qualify. Check eligibility for this loan through LoanConnect.
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Compare up to 4 providers

How much does a Disney vacation cost?

How much it costs depends on the type of vacation package you sign up for, how many people are going and the length of the stay.

Here’s an example of what you might expect for two popular six-night, seven-day vacation packages at select All-Star Disney Resorts with tickets to visit all four theme parks (all prices quoted in USD):

PackagePrice per person, per dayTotal cost for a family of 4
Room and ticket$102$2,856
Room, ticket and quick-service dining$141$3,943

Other factors that can affect your price include the type of room, time of year and which resort you choose.

You should also consider the cost of getting to Disney. For example, round-trip flights from Los Angeles to Orlando may cost anywhere from $200 to $400 per person during the summer months. Flights from New York are a little cheaper, topping out at around $350, but you may still want to consider an airline rewards credit card program to help reduce the overall expense.

Alternative ways to pay for a Disney vacation

Financing can make an already-expensive trip even more costly. Planning ahead or taking advantage of discounts can help you comfortably afford the price tag.

Disney vacation savings account

Setting up a dedicated savings account can make it easy to budget for your Disney vacation. There are lots of great savings options for a Disney trip, but make sure the one you choose has features that allow you to easily and consistently put aside money in weekly, bi-weekly or monthly contributions, as well as an interest rate that will grow your Disney savings or a signup bonus that can jumpstart your savings.

Magical Extras Savings Card and vouchers

The Magical Extras Savings Card and vouchers are available to visitors who book through the Walt Disney Travel Company. The card can get you discounts at Disney bars, restaurants and retail stores. And the vouchers give families of four access to free activities like miniature golf.

Your card is valid for the duration of your trip, while vouchers are often only available at certain times of the day.

4 tips to save on a Disney vacation

Ready to plan your trip to the Magic Kingdom? Keep these tips in mind to save even more.

  1. Go during the off-season. Flights, rooms and everything else are typically less expensive during the off-season. While pulling your kids out of school for a week in October might not be feasible, traveling during the less-popular mid-winter break might help you save on the overall cost.
  2. Use a travel agent. It’s a travel agent’s job to know about deals. Hiring one might more than pay for itself in savings, especially if you’re too busy to do the research yourself.
  3. Be flexible about accommodations. Staying off-site or at the value resort hotel can reduce the cost of your vacation, especially if you cook your own meals.
  4. Go when your child is under three. Thinking of putting off your Disney vacation until your youngest is older? You might want to reconsider. Children under three can visit any of the parks for free.

Bottom line

Disney vacations are expensive — even with a discount. But there are ways to make the cost more manageable, including taking out a rewards credit card, making a savings plan well in advance or taking out a personal loan when plans are more short-term.

Check out our guide to personal loans to find out more about how they work or compare other credit card options that might suit your needs.

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