Despite the fact Disney is offering these loans with no pre-pay penalties and a 1% reduction by paying through direct debit, there is no getting away from the fact that it is astronomically high. As high, you might say, as a Disney parade skyrocket. Some rates are way up at 17.5%. This is absurd when in the United States the average mortgage rate is about 4% and it is certainly possible to get a personal loan under 10%.

Even current members are getting hit. It is an odd way to reward loyalty. It may be a small world after all, but not, it seems, when it comes to Disney charging anything but small interest rates.

Another likely effect of this burden on the current membership is that those being hit will go straight to the timeshare resales market to buy up extra points to bolster their profile and keep in the game. What is good for the resales market is good for resellers, so this may well be an indicator of a healthy growth curve for resales ahead.

Disney has also just come out and declared on its own website that it is having to ‘tweak’ its pricing for two resorts, the Aulani, Disney Vacation Club Villas and the Disney Animal Kingdom’s Villas. Direct purchases are now going out with higher net prices than those it had to offer in the spring and summer of this year. It has been subject to a ‘periodic adjustment’. At least, unlike Pinocchio, it is being honest about the fact that it is trying to sell worse packages. But again, it is hardly an incentive, when a few months ago you could get the same deal for a lot less.

In the Frequently Asked Questions arena on the DVC site the firm actually states that buying resales is at least 40-50% less than its own direct prices. It is almost as if it is driving customers away by willingly admitting you can save up to tens of thousands of dollars by going down the resale route. It seems like if you really want a happy ending to your very own Disney vacation story then there is only one turnstile to go through and it is not the one that leads to the DVC sales office.