The most popular form of financing on the resale market is a small home equity loan or signature loan with your local bank. You may also contact the below lenders of funds for timeshares. They are independent companies so you will need to contact them for the most current rates and terms.


LightStream is an online lending division of SunTrust Bank that offers unsecured timeshare financing for consumers with good to excellent credit histories.

  • Unsecured, fixed loans from $5,000 to $100,000
  • Low fixed rates starting at 5.99% APR with AutoPay* for Timeshare and Fractional Financing/Refinancing loan purposes
  • No fees, prepayment penalties, appraisals or down payments
  • A simple online application, with a quick response during business hours
  • Same day funding available (special restrictions apply)
  • No liens or collateral required
  • No need to leverage home equity
  • Financing available for U.S. residents only; may be used for any timeshare/fractional, worldwide

Monera Financial 


  • Competitive rates starting at 9.9%
  • Automatically Approved
  • No prepayment penalty
  • Minimum loan amount $4,000
  • One time $199 loan origination fee paid only if you close on your membership
  • No $5.00 Monthly service fee (This can roughly add plus or minus 1% interest to your loan)
  • Terms up to 120 months
  • No credit checks or financials necessary for any amount
  • Closing costs for the loan will add approximately $450 more to the regular closing costs


*The above information is deemed accurate but not guaranteed. For the most current rates and terms, its best to contact the lenders directly.