Payment plan available?

Discussion in 'Disney Resorts' started by Glymere, Jul 8, 2014.

  1. Glymere

    Glymere Earning My Ears

    Jul 8, 2014
    Hey, I'm new to the board. My wife and I have been married for 5 years in December and I really wanted to take her to Disney World in May for as a late anniversary/summer vacation combo. I'm looking at staying in the Art of Animation resort in the Little Mermaid Wing as that is her favorite Disney movie.

    My question is this, does Disney offer any type of payment plan? I don't have 3,000 dollars to just plop down right now to pay for everything up front, but I also realize once I can start booking things, I need to, to make sure we get what we want.

    I work for Chase Credit Card Service and have recently applied for the Disney Credit Card as I know there are some good benefits on it. If worst comes to worst I can just throw it on the credit card and pay it off, but I generally like to pay for these things in cash.

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  3. dis_guy

    dis_guy DIS Veteran

    Aug 26, 2008
    When you book a package you only need to put $200 down as a deposit. The balance is due 45 days before your arrival. This is why I like to book a year or more out out because it gives me lots of time to do monthly payments so it's paid off in plenty of time. I find it's very stress free to do this. Oh, and disney charges no interest or fees for this either. :)
  4. Airship Ariadne

    Airship Ariadne DIS Veteran

    Jun 20, 2014
    All you need to plop down right away is the $200 deposit...the rest you can pay off up to the 45 if you can book a year out, that gives you 10 and a half months to pay it off at your own pace. And if there are any special offers after you put down your deposit, you can call them up and see if they can apply them, just be sure to call as soon as possible since many offers have a limited number of rooms that it can be applied to per resort.
  5. mickeynut1

    mickeynut1 DIS Veteran

    Apr 16, 2007
    Welcome to the Dis :welcome:

    Yes, you can make payments on a package or room only reservation.

    For room only, the required deposit is equal to 1 night's room rate + tax, with the balance due at check in. You can, however, make payments and pay if off at any time prior to arrival, but the balance isn't due until you check in. You can cancel up to 5 days prior to arrival without a penalty.

    For a package, the required deposit is $200, with the balance due 45 days prior to arrival. You can cancel and make any changes 45 days or more from arrival without and fees. Any changes made 44 days or less from arrival are subject to a $50 change fee (this change is usually waived if the changed causes the total cost to increase). A $200 fee is charged for any cancellations after the 45 day mark (and I think the total cost is forfeited if the package is cancelled 1 day prior to arrival).

    If you use your Disney Visa to make the deposit and/or pay for a package, you will get 6 months, 0% interest. This is only good for packages and does not apply to room only reservations.

    If any room discounts come out that cover your dates, you can call and have the discount applied to your existing reservation, provided the resort/room type you have booked is available under the discount. Sometimes you have to be flexible with your resort and/or room type when taking advantage of a discount as having a reservation already in place does not guarantee a discount can be applied. If you have a package, the discount would apply to the room portion only.

    HTH :)
  6. Sandi

    Sandi <font color=red>A proud Spartans fan!

    Aug 17, 1999
    I would do a room only reservation and then save your money as you normally would (or, in a different account if you need the discipline). To be able to schedule FP+, you'll need to have park admission, so you'll need to purchase that as soon as you have money available to make the purchase. I always purchase from Undercover Tourist through the link. (Sign up for the Mousesavers monthly newsletter and you'll receive a newsletter on the 15th of each month. There will be a special link to UCT with pricing just for Mousesavers readers. It's not a huge discount, but it's better than paying full price.) You can make dining reservations in advance. You'll have to provide a credit card to guarantee your reservation (there is a $10/person penalty for a no show), but it isn't an upfront cost. If you set money aside for yourself, it's as good as doing a payment plan. Then you can put your costs on a credit card and pay it off when you return home.
  7. lustergirl

    lustergirl DIS Veteran

    Aug 25, 2005
    It is like having a Disney vacation on layaway:thumbsup2 I do it all the time to help pay for my trips. Beats putting the full amount on a credit card and getting charged interest.
  8. AThrillingChase

    AThrillingChase DIS Veteran

    Mar 12, 2013
    As other posters said, $200 deposit with balance due 45 days before the trip for a room/ticket package. It is also nice to keep in mind that if you use the Disney visa, you get 6 months from the date you make the payment.

    For example, I am going in Oct. I put the $200 deposit down in February, and with the 6 months 0% interest I am paying that off this month.

    In August, I will call to make my final payment of the balance at the 45 day mark. That total will not be due to Disney visa until February 2015 :)
  9. TDC Nala

    TDC Nala <font color=red>1937, what a year that was<br><fon Moderator

    Jun 22, 2001
    If you want a package you will put down $200. Then you can pay in any amount you want at any time you want, as you go, but you must pay off the entire package no later than 45 days before arrival.

    If you don't want a package and you want room only (purchasing tickets separately and no dining plan), you would put down a deposit equal to the first night's stay and then pay in any amount you want at any time you want up to arrival; if you wish, you can pay off the balance at arrival. If you cancel less than 6 days from arrival you forfeit the deposit.
  10. pbruce706

    pbruce706 Mouseketeer

    Dec 29, 2012
    As others have said, the package is a $200 deposit, balance due at 45 days. I booked our trip 11 months out, held off paying anything more for three or so months, then started making monthly payments. Trip was paid in full last month, which is a great feeling.

    Either case, room only or package, I find it easier to book it and make the payments to them as the months go by. I'm one of those who would have a harder time "chipmonking" the money away into an account. Plus I always liked seeing the balance going down and seeing the reality of the trip coming together.
  11. lustergirl

    lustergirl DIS Veteran

    Aug 25, 2005
    Don't know if the OP is interested but I opened a disney savings accounts. I have a little bit of money put right in to the account automatically each week. You can use this money for a down payment or to pay on your vacation. You can also use the money to purchase disney gift cards.
  12. MagentaMulan

    MagentaMulan Mouseketeer

    May 26, 2014
    How the does the payment plan work after you put down the deposit? Do you go back to your disney account when you want to pay and in put a cc number and enter an amount? Can you use Paypal?
  13. suffieldhockeymom

    suffieldhockeymom DIS Veteran

    Mar 14, 2012
    I always use my Disney Visa because of the 6 months no interest and the points I get to use while there. I charge as much as I know I can pay in 6 months, pay it off and charge some more until the package balance is due. I also charge all my utilities to get the points as well. I usually have enough points to pay for snacks and souvenirs while at WDW.
  14. wilkeliza

    wilkeliza DIS Veteran

    Feb 1, 2013
    You should be able to pay online. I don't think you can use paypal.

    Another often overlooked option is this

    It is the Disney Vacation Account. It is a Disney savings account of sorts where you can put in money and a budget you want for your trip. When you can pay you book the trip with the money you have in your account.
  15. dimndgal1

    dimndgal1 One little spark...

    Aug 10, 2010
    We are military so I always book any Disney trip as room only since plans can change at the drop of a hat and those are the easiest trips to cancel. Since room-only is the price of one night, we figure out how much the trip is and start saving, putting it into a Savings Account we have set up for vacations. From there, we decide if we want dining plan or not, factor in ticket cost, and 'misc' costs. We save up and throw any extra we can - DH travels a lot and gets per diem so some of that goes in there.

    When we draw close to the trip (within a month or so), we decide if we're adding Dining Plan/tickets and call to make it a package, charging the whole thing to my Disney Visa. Since FP+, we have moved it to the 75 day point (so we can get it all squared away before FP window opens. Then, after the charge shows up on the card, we put however much we have saved on the card and have 6 months to pay off the rest. That way we get the Disney dollars from putting it on the card, have most of the trip paid in advance, and have the 6 months no interest for the remaining balance.

    The reason we do all this is so that the money we have isn't tied up -- it's still tangible to us. Our last trip was a big one (7 people, 2 rooms) and we had been saving for over a year. Halfway through, we needed 'liquid' cash for an emergency, so we used what was saved in the account. We were able to put back what we needed down the road but it was such a relief to have the cash at our disposal. We ended up waiting until 10 days before the trip to make it a package but it worked out well for us and we had all but $500 paid off by the time of the trip.
  16. IMGONNABE40!

    IMGONNABE40! <font color=green>Okay, I already am 40, but if I

    Jul 1, 2003
    What I have done is book room only and made payments towards that each months leading up to the trip making sure I have paid off the room before travel. Then, right before the trip I have converted the room only into a package using my Disney Visa and then get 6 months to pay off the tickets/ dining.

    I haven't done this since FP+ as my travel style has changed and I haven't wanted a package my last couple of trips.

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