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Compare financing options for a Disney vacation

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

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 between 12 and 15 months, and some stretch these periods up to 18 to 21 months. If you pay off your balance before your purchase 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.

Co-branded Disney credit cards

The Disney® Visa® Card and Disney® Premier Visa® Card offer Disney Reward Dollars on your purchases. They also come with savings on shopping and dining at Disneyland and Walt Disney World resorts, as well as cardholder-only events and character experiences.

Each card comes with a 0% intro APR for 6 months on select Disney vacation packages on some Disney vacation packages (after that, 15.99% variable). This can help you break your vacation cost into a few manageable 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 six 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 per point, though you’ll have to fork over at least $18,800 for 100 points when you sign up — or finance this cost.
  • Closing costs. Closing your membership starts at $454, 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 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 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 six 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 three to seven years.

Compare financing options

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Chase Sapphire Reserve®
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Marriott Bonvoy Brilliant™ American Express® Card
75,000 points after spending $3,000 in the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at US restaurants within the first 6 months
6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Terms apply, see rates & fees
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Compare up to 4 providers

Name Product Filter Values APR Min. Credit Score Loan Amount
BHG personal loans
Varies
Accepts fair credit
$20,000 – $200,000
Best Egg personal loans
5.99% to 29.99%
600
$2,000 – $50,000
A prime online lending platform with multiple repayment methods.
SoFi personal loans
5.99% to 19.63%
680
$5,000 – $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$1,000 – $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Monevo personal loans
3.49% to 35.99%
None
$500 – $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
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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:

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 some of the best airline rewards credit card programs 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.

Discounted Disney gift cards

Several wholesale stores like Sam’s Club and BJ’s offer discounts on Disney gift cards, which you can buy in bulk to save on expenses while on your Disney vacation. Some vacationers also take advantage of cashback programs on their credit cards when they purchase these gift cards, which can save you around 5%.

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 Disney Rewards 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.

Frequently asked questions

Do I need good credit to qualify for DVC financing?

It depends on where you get your financing — through Disney or another lender. Most reputable lenders require good credit for the lowest rates.

However, it’s possible to find a lender that doesn’t run a credit check. Bad-credit borrowers typically can expect higher rates and a larger down payment for any type of financing.

How long is the Disney Visa vacation financing good for?

There’s no limit to how long you can take to pay off a Disney vacation paid for with a co-branded Disney credit card. However, you only have a 0% APR for 6 months on select Disney vacation packages — after that it shoots up to 15.99% variable.

How much is the deposit for a Disney vacation?

It depends on when you make your reservation. If you reserve at least 31 days in advance, the deposit is $200, due within three days of the booking. You’re required to make the payment in full at least 30 days before your vacation — or when you book if you have less than 30 days before the trip.

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