Analyzing The Effects of DVC Borrowing Restrictions

The million dollar question on every Disney Vacation Club owners mind these days is when we will see current point borrowing restrictions removed.

Without more detailed data, we are left speculating based on what we hear from other members and what we see in current availability and booking trends. To better evaluate and analyze the effects these borrowing restrictions have on both member’s vacation plans and bookings, we’ve decided to turn to you, our DVC Fan Community, for help!

By completing the survey below and sharing with us how your DVC points and vacation plans have been affected this past year, we can better understand why these policies are continuing and when we may see them begin to relax. Please note that this survey is completely anonymous and that DVC Fan will only use the data to help share our thoughts and opinions on the future of these restrictions.



Thank you for your participation in this survey regarding the effects of DVC borrowing restrictions! We will share the results and our thoughts in an upcoming article that looks at when we may see Disney Vacation Club relax the point borrowing restrictions currently in place. Stay tuned to DVCFan.com for more information!

Paul Krieger

Amy and I are new Orlando, Florida residents where we live with our dogs Odie the greyhound and Hermès the Spanish galgo. We are DVC owners at Animal Kingdom Lodge, BoardWalk Villas, and Villas at Disney’s Grand Floridian, Disney World Annual Passholders, and love educating Disney Vacation Club on how to both use and maximize the value of their DVC points!

6 thoughts on “Analyzing The Effects of DVC Borrowing Restrictions

  • We traveled, using points, a few times during the pandemic, and use points as soon as we get them.

  • I used some points during pandemic late last year and will go again this fall with points. However, it’s unfortunate that we can only use half of our upcoming points. It limited where and for how long we could stay on property. Now we will stay off property for the last few nights of our trip.

    • I agree – especially as being able to use three-years worth of points at once was a selling point when we originally bought.

  • Same as above — we went December, 2020; February, 2021 split stay with DVC RR and Universal Studios Portofino, have a September, 2021 trip planned, but have to do another split stay February, 2022 with Universal Studios Hard Rock because we can’t access all of our points to just stay at WDW.

    I will say, we are only doing resort-only stays on the split stay trips. We can’t afford all the day passes, so using our Universal Annual Passes instead for their parks.

    WDW is losing big bucks from us no APs.

    • We are the same way. Have three trips scheduled for a 12 month period. So instead of selling 5 APs they only got 3 days worth of park revenue.

  • The borrowing restriction is going to cause more problems than it solves. Things are starting to open up, but there’s no doubt that 2022 is going to have higher demand for travel than 2021. By trapping 2022 points in 2022 rather than allowing them to be borrowed into lower-demand 2021, they’re compounding the points glut problem.

    I’m going to Aulani later this year and I’d love to be able to borrow my points, which would clear my share of 2022 Walt Disney World demand.

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