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Everything You Ever Wanted To Know About DVC Borrowing Restrictions

Are you a proud member of Disney Vacation Club (DVC) or considering joining this magical community? One of the perks of membership is the ability to borrow DVC points, allowing you to plan even more incredible Disney vacations. In this post, we'll dive into everything you ever wanted to know about DVC borrowing restrictions, so you can unlock the full potential of your membership and create unforgettable Disney experiences.


Understanding DVC Borrowing Restrictions


DVC borrowing restrictions come into play when you want to use points from a future Use Year to book a reservation in the current Use Year. Here's what you need to know:


Borrowing Points:

  • Let's say you have a future vacation in mind, but you don't have enough points in your current Use Year. The borrowing option allows you to "borrow" points from a future Use Year to cover the reservation.

  • Borrowing points gives you the flexibility to plan your dream vacation even if your current Use Year falls short.

Limits on Borrowing:

  • DVC has certain restrictions on borrowing points to ensure fairness and availability for all members.

  • Generally, you can borrow points from the next calendar year, but there may be specific limits set by DVC. Check with Member Services for the most up-to-date information regarding borrowing restrictions.

Tips for Navigating DVC Point Borrowing Restrictions


To make the most of your DVC membership and navigate borrowing restrictions effectively, consider the following advice:


Plan Ahead:

  • Stay organized and keep track of your points balance to anticipate your vacation needs.

  • If you foresee the need to borrow points, plan ahead to ensure you have sufficient points available.

Check with Member Services:

  • DVC Member Services is your trusted resource for all membership-related inquiries.

  • Reach out to them to discuss borrowing options, clarify any questions you may have, and obtain up-to-date information on DVC point borrowing restrictions.

Be Flexible:

  • If your desired travel dates or resort choices are affected by borrowing restrictions, explore alternative options.

  • Consider adjusting your travel dates or exploring different resorts that align with your available points.

Consider Banking:

  • If you have surplus points in your current Use Year, consider banking them for future vacations.

  • Banking points can offer additional flexibility, allowing you to save them for later use instead of relying solely on borrowing.

DVC Borrowing Restrictions Really Aren't So Bad


Remember, borrowing restrictions are in place to ensure fairness and availability for all DVC members. By understanding these limitations and planning your vacations accordingly, you can still create magical Disney experiences that fit within the parameters of your individual membership.


Embrace the enchantment of Disney Vacation Club, make informed decisions about borrowing points, and embark on unforgettable journeys to the most captivating destinations.


Dream with your heart, plan wisely, and let the wonders of Disney Vacation Club unlock a world of magic for you and your family.



Main photo credit: The Parks Academy

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