DVC Reinstates 100% Point Borrowing

Reversing a temporary policy instituted more than 2 years ago, Disney Vacation Club members can once again borrow 100% of their points from a future Use Year. 

Disney Vacation Club

Effective immediately, DVC is allowing owners to borrow 100% of their points from the next Use Year. The threshold had been reduced to 50% since April 2020 due to the impact of the COVID-19 pandemic. All Disney Vacation Club resorts were closed for 3 months, with some closures lasting much longer. This loss of capacity, combined with generous cancellation policies, lead DVC to limit the number of points members could bring forward from a future Use Year. 

In recent months, Disney Vacation Club had quietly made some exceptions to the policy, allowing members to borrow a small number of points over the 50% limit when approved by Member Services. However, this announcement signals blanket removal of the temporary policy, reinstating a provision which has existed since the program's inception. 

All DVC points are assigned to a specific Use Year, which dictates the period over which they may be used for resort reservations. A member with a February Use Year can utilize their 2022 allocation for any stays occurring between February 1, 2022 and January 31, 2023. Point borrowing allows the owner to move all of a future year's points into the current Use Year. The February owner could "borrow" their 2023 points--which are normally valid from 2/1/23 through 1/31/24--and use them toward stays in the 2022 Use Year. This gives the owner access to double their normal allocation of points, as well as any points which may have been banked from 2021. 

Last month Disney Vacation Club opened 202 new Resort Studios at Villas at Disney's Grand Floridian Resort & Spa. Additional rooms are also steadily being added to the condominium association at Disney's Riviera Resort. This added capacity combined with the expiration of some unused points likely contributed to the decision to lift the borrowing restriction. 

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