Destination club membership, financed at a fixed rate.
Membership and initiation costs for a destination or fractional club, financed at a fixed rate — so the account you meant for the actual travel stays intact.
Fixed rates from
10.24%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A destination-club or residence-club initiation deposit
- An annual or multi-year membership commitment
- A fractional or private-residence share buy-in
- A club upgrade or tier change
Why a Lightstream loan.
Keep your travel fund for travel
Draining savings for an initiation defeats the purpose. Financing the membership at a fixed rate leaves your cash free for the trips the club exists to enable.
A fixed payment, not club financing
Some clubs offer in-house financing at their own rate. An independent fixed-rate loan lets you compare, and keeps the financing separate from the membership contract.
Funds paid the way the club needs
Money in your account means you pay the initiation or share cost directly, on the club’s schedule, without a lender in the enrollment process.
No penalty to pay it off
If a bonus or a good year lets you clear the balance early, there is no prepayment penalty — the membership is simply paid off ahead of plan.
Loan amounts and terms.
- Loan amounts
- $25,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.24%–21.24% | $323.80/mo |
| 4 years | 11.04%–22.04% | $258.65/mo |
| 5 years | 11.94%–22.94% | $222.14/mo |
| 6 years | 11.94%–22.94% | $195.19/mo |
| 7 years | 13.04%–24.04% | $182.14/mo |
| 10 years | 13.04%–24.04% | $149.55/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes. Because funds are deposited to your account, you can size the loan to cover both a one-time initiation or share cost and the first annual dues, then pay the club directly on its enrollment schedule.
Club or developer financing may be convenient but is priced to the club’s advantage and ties the debt to the membership. An independent fixed-rate loan lets you compare the true cost and keeps your financing separate from the club agreement.
A buy-in to a fractional or private-residence club is treated like any membership cost — you receive funds and pay your share. Note that a deeded fractional real-estate interest with its own mortgage is a different product; this covers the membership or share cost paid from your account.
This purpose starts at a higher minimum and runs to the program ceiling, shown in the calculator, reflecting the initiation and share costs typical of destination clubs.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.