vacationclubloans.com?

[Chili327]

Anyone ever use them instead of Monera?
I was checking their quote tool & it seemed to be a better deal. (Maybe I'm just reading it wrong) They have an interest "slider" but im not sure you get to just choose your rate. lol

 

[crvetter]

You don’t get to choose your rate. That’s just a hypothetical. But it seems Monera is minimum 5% down and 12.9% interest which is for a credit check application with excellent credit. The site you linked to seems to be 10% down minimum and 11.9% interest. So I would say they are both roughly equal in costs for the most part. I’d just compare the fees for the real differences.

 

[thelionqueen]

Absolutely choose VCL over Monera! Better rates and fewer acquisition costs. Excellent service as well

 

[pianomanzano]

I used to lightstream for a contract in April of last year, rate was somewhere between 6-7%. Very quick and easy (think we got funds in like 2 business days). Haven't looked to see what they're charging now.

 

[BamaGuy44]

I used to lightstream for a contract in April of last year, rate was somewhere between 6-7%. Very quick and easy (think we got funds in like 2 business days). Haven't looked to see what they're charging now.

2nd Lightstream. Process really couldn't be easier and it's not secured against the contract. They didn't ask me a single thing about my contract. Basically it's an unsecured personal loan. Best they'll do now is 10-11% though. That's the world we're living in now

 

[pianomanzano]

2nd Lightstream. Process really couldn't be easier and it's not secured against the contract. They didn't ask me a single thing about my contract. Basically it's an unsecured personal loan. Best they'll do now is 10-11% though. That's the world we're living in now

Ooof, I guess I'm not surprised as rates were going up around the time we got that loan.

 

[Jlo85]

The title company for the resale contract I just bought allowed up to $7,500 on a credit card. If you can swing that on a 0% card, can be a good alternative to a loan.

 

[Spinster Travel]

Ditto on the Lightstream comments - Lightstream is targeted to those with excellent credit. They are super, super easy to do business with and if you want to make extra payments and/or payoff early, it's easy to do so. Note: Unless it changed, Lightstreams BEST rates were for loans of 36 months (shorter terms were higher), but there is no prepayment penalty. I got a 36 month loan and paid it off in 12 months, but got the lower rate.

 

[MagicDVC]

We used VCL for our VGC contract. They had the lowest closing costs between them and Monera and interest rates were similar.

 

[Jay S]

+1 for VCL. I got a way better rate with them compared to Monera