Current Add On Offers?

[coreynyc]

Got a call yesterday from my new guide. My original guide was reassigned and the new one was looking to hook me for more points during an upcoming stay.

Looking for insight if what they are currently offering on site is different from or is above and beyond what the public offer is on the website. She also mentioned on phone and in email that there is some sort of financing deal. The email states "new financing option to provide you with more manageable monthly payments if you are looking to grow your membership."

Curious to hear the scoop so I don't waste time in a presentation.

 

[Chili327]

"new financing option to provide you with more manageable monthly payments

I’m not completely sure, but I think it’s something like; you can do a 15 year loan instead of 10 year, which brings your monthly amount down, but if you were to pay monthly for 10 years you will have thrown away so much money I can’t imagine how much more could be wasted in 15. lol

 

[bigkats]

From what I've seen the new offers are not too enticing. I bet the "new financing option" the guide is referring to the 15 year financing option.

 

[coreynyc]

I’m not completely sure, but I think it’s something like; you can do a 15 year loan instead of 10 year, which brings your monthly amount down, but if you were to pay monthly for 10 years you will have thrown away so much money I can’t imagine how much more could be wasted in 15. lol

That checks out. Notice the wording doesn't really mention a deal, just manageable payments. Yeah, not looking to go paying it off 10 let alone 15 years

 

[intamin]

From what I've seen the new offers are not too enticing. I bet the "new financing option" the guide is referring to the 15 year financing option.

The 10 is already terrible but 15? Big yikes.

 

[muppets3d]

You can just call the guide and ask them to send you the numbers via email if you're interested in a direct add-on. You don't have to take the time to go on an actual tour if you don't want to.

 

[atthebeachclub]

The 10 is already terrible but 15? Big yikes.

I think it’s very reasonable to take the fifteen but pay off much faster. Gives you more flexibility if you need but you don’t have to pay off slowly. Of course what people actually end up doing may be entirely different still. I say this as someone locked into a fifteen year mortgage (on a work/vacation property) and wishing I had done a thirty year.

 

[disneylandtour]

Got a call yesterday from my new guide. My original guide was reassigned and the new one was looking to hook me for more points during an upcoming stay.

Looking for insight if what they are currently offering on site is different from or is above and beyond what the public offer is on the website. She also mentioned on phone and in email that there is some sort of financing deal. The email states "new financing option to provide you with more manageable monthly payments if you are looking to grow your membership."

Curious to hear the scoop so I don't waste time in a presentation.

Nearly all of the current add-on offers are worse than the ones that just expired. And--YMMV--the last presentation I went to there were definitely more high-pressure elements than what I remember from earlier visits. For clarity, I had to sit through one of these about a year ago to see the PIT preview rooms before the tower opened. I saw one family being worked during and after the tour. But it also seemed to depend on who walked you through the preview rooms and then did follow questions.

 

[disneylandtour]

You can just call the guide and ask them to send you the numbers via email if you're interested in a direct add-on. You don't have to take the time to go on an actual tour if you don't want to.

The add-on tool inside of the DVC site will break down much of this for you as well.

 

[VGCgroupie]

You don't get any larger incentive when on site than you could sitting at home if thats kind of what your question was.

 

[cruisehopeful]

You can get all the options online with the add on tool. When you get towards the end, it shows the financing options. I think it's 10% down at 8.99% with a choice of 10 or 15 years. There might be another option with more down payment. I can't remember.

If you are good about paying off loans very early, it can be an okay thing. It's really dependent on how badly you need the points and how much you put into managing your money.

 

[disneylandtour]

I'll throw this out there. I don't know your timeline. But based on the mostly "ok-ish" (but certainly not great) sales pace of PIT, I think the odds are good that there will be a set of very good incentives there before LSL goes on sale in about 12-18 months. LSL opens in 2027. There's no exact date--but man, construction is moving quickly. So pre-sales for LSL might open late in 2026 or in 2027. I'd expect before that--probably during next summer, which is the low season for DVC sales--there will be some very good incentives for POLY in the attempt to close out as much of that as possible before the sales and promotion focus becomes LSL.

 

[disneylandtour]

You can get all the options online with the add on tool. When you get towards the end, it shows the financing options. I think it's 10% down at 8.99% with a choice of 10 or 15 years. There might be another option with more down payment. I can't remember.

If you are good about paying off loans very early, it can be an okay thing. It's really dependent on how badly you need the points and how much you put into managing your money.

It will do all that. But just for clarity, some of the unique incentives I still don't think are plugged into that tool, such as the DCL Castaway Club discount. But these are all minor.

 

[cruisehopeful]

It will do all that. But just for clarity, some of the unique incentives I still don't think are plugged into that tool, such as the DCL Castaway Club discount. But these are all minor.

True. If you choose to submit on the online tool, it says a guide will contact you. That's when you can ask about Castaway discount and any other discounts. The online tool doesn't let you purchase online. You still have to deal with the guide either on the phone or via email.

 

[geargrinder]

I think it’s very reasonable to take the fifteen but pay off much faster. Gives you more flexibility if you need but you don’t have to pay off slowly. Of course what people actually end up doing may be entirely different still. I say this as someone locked into a fifteen year mortgage (on a work/vacation property) and wishing I had done a thirty year.

This is what we are doing with our new VDH contract. 20% down and 15 years. Gets low payents if we need them, but will likely pay down often in big chunks getting it paid off quickly.



.

 

[Chili327]

pay down often in big chunks getting it paid off quickly.

This is the way!!