Timeshare financing without the resort’s rate.
Buy or upgrade a timeshare interest without carrying the resort’s in-house financing rate for the next decade. One fixed-rate loan, funded to your account, pays the seller directly.
Fixed rates from
10.49%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 developer purchase or an upgrade to more points
- A resale interest bought from a current owner
- Paying off a high-rate developer financing balance
- Closing costs and transfer fees on a timeshare purchase
Why a Lightstream loan.
A rate far below developer financing
Resort and developer financing is among the most expensive consumer credit around. A fixed-rate loan priced on your credit is frequently a fraction of it over the life of the balance.
Pay the seller as a cash buyer
Funds in your account let you buy a resale interest directly from an owner — where the real bargains are — instead of only through the developer’s sales office.
One fixed payment you control
Your payment is set the day the loan funds and never reprices, unlike the tiered promotional rates a developer contract can carry.
No prepayment penalty
If you decide to clear the balance early, there is no penalty — the interest simply stops, which developer financing rarely allows so cleanly.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.49%–21.49% | $324.98/mo |
| 4 years | 11.29%–22.29% | $259.87/mo |
| 5 years | 12.19%–23.19% | $223.41/mo |
| 6 years | 12.19%–23.19% | $196.49/mo |
| 7 years | 13.29%–24.29% | $183.50/mo |
| 10 years | 13.29%–24.29% | $151.03/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.
Developer purchases are sold at retail with incentives baked into a high price, while the same interests often trade on the resale market for a fraction of that — because a timeshare rarely appreciates. Financing the purchase with your own funds lets you buy resale from a private owner and pay them directly, capturing the difference the developer’s in-house financing is designed to keep.
Yes, and it is one of the most valuable uses. Developer financing frequently carries a rate multiples of a personal loan’s. Paying it off with a fixed-rate loan can cut the interest sharply while turning a resort contract into one predictable payment.
Yes. Timeshare transfers involve closing and transfer fees, especially on the resale market. Size the loan to include them so the full transaction is covered from your account, not out of pocket at closing.
No. The loan is unsecured, so the timeshare is not pledged and there is no lien for a resort to hold over you. That is part of why it is cleaner than developer financing, which ties the debt to the interest itself.
Yes. Whether you are buying in for the first time or upgrading an existing interest to more points or a better season, the loan simply funds the amount you request and pays the seller or developer directly.
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.