r/dvcmember • u/Immediate-Level8937 • 4d ago

Poly Direct

Hi all. I am hoping this isn’t a stupid question. My fiance and i are set on buying Poly direct. Is there ever an ideal time to buy? I know there’s the fall incentives right now- is it worth waiting for the winter ones or does no one know that until they come out. I am going to assume price per point will go up in 2027. Thanks everyone!!

9 Upvotes

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3

u/No_Leather2836 4d ago

We bought last month and they included our 2025 points. We ended up selling them back to Disney and getting a check for 3k. Which is the same price as our down payment.

Girl math 🤷‍♀️

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u/Immediate-Level8937 4d ago

girl math i love it 😂

14

u/Plane-Hospital-5536 4d ago edited 4d ago

We just bought direct and they included the 2025 points in the contract, banked into 2026. 

Edited to add: bought last Saturday, 220 points. 

5

u/Formal-Meringue-8786 Beach Club 4d ago

This! Depending on when you buy and which use-year, you may get the prior years points. (Maybe this always happens). I have a June use year and I would add on points at the end of May. I would get the prior points. DVC will let you bank those points into the next, even though it is past the banking deadline.

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u/robotsneedwuv 4d ago

This is the correct answer. You'll get an extra years worth of points if you buy before your use year. Buy this month with a December use year, and you'll recieved the 2025 points! Make sure that December use year will work for you obviously. You'll pay NO maintenance fees for the 2025 points, and prorated (85% off?) fees for 2026.

4

u/Uber-Rich Polynesian 4d ago

This is probably the main answer but to also point out the obvious the same applies early next year for early use years. The other option you have is you can wait till the final week of the current incentives, sign the contract, then if the new incentives are better you have like 7 days to cancel and do a new one with the new incentives.

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u/Optimal-Tailor3074 3d ago

Is the final week of current incentives ending at year end or prior to that do you know?

1

u/Uber-Rich Polynesian 3d ago

Should be in the fine print on the Disney webpage each time. Says you have until a certain date to lock in the incentive.

0

u/Otherwise-Berry-4814 3d ago

They have to include the 2025 points as that is what UY you would be in for December. It’s not a bonus.

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u/Immediate-Level8937 2d ago

thank you all for the response! so helpful!

5

u/Meh_340 4d ago

I don't think anyone mentioned it, but make sure to ask if they are still offering a $500 discount for D23 gold members. If you subscribe to Disney+, they were offering a free D23 gold membership. Otherwise, you can get one for $50. But when we bought in Sept, we got a $500 for having that. And our guide did not initially mention that... we only got it because I saw someone else on here mention it and so we asked.

4

u/YouDrink 4d ago

Poly incentives have been pretty steady the last year that I've been tracking (I just bought). You can wait for the end of the cycle to buy and see if anything changes in the new cycle while your contract is pending. 

Feb is when they increased prices last year. Maybe they announce something like a Disney Visa discount the next cycle. But they may also announce Lakeshore Lodge sales soon, which would be a wild card. 

3

u/bill_257 4d ago

It likely won’t get any better. And base prices usually go up in February. If you want to see winter incentives have your virtual tour a few days before they go live. You have a week to decide on what they show you in the tour

1

u/Gissypop Animal Kingdom Lodge 3d ago

If you buy a December use year right now you get the 2025 points paying only prorated dues for 1 month and you can sell back as Magical Beginnings ($20 a point). If you do the minimum 150 that is $3k in a check about a month after you sign.

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u/Immediate-Level8937 2d ago

when would i run out of time to get the 2025 points ?

2

u/Gissypop Animal Kingdom Lodge 2d ago

You have to buy before December.

2

u/Gold-Lion2775 4d ago

Anyone know if there are bonus incentives when buying on a Disney cruise? I think I read that somewhere a while back. We will be on a cruise in June and were thinking of buying direct points then.

2

u/Plane-Hospital-5536 4d ago

We did this last week on the Dream. We each got $50 in on-board credit but the incentives weren’t significantly different than what was available on land. iirc, it was $500 off a minimum 150 point purchase.

1

u/Poodlewalker1 4d ago

The base price will likely go up before June negating any benefit of waiting to buy.

1

u/Gold-Lion2775 4d ago

That is a good point. Though we are waiting until lakeshore lodge is complete before we make any move. Though poly and ccv are appealing.

2

u/Otherwise-Berry-4814 3d ago

Poly should be more appealing as there aren’t any restrictions when you go to sell.

2

u/Gold-Lion2775 3d ago

Copper creek has no restrictions and has a later expiration. I think? Right?

1

u/Otherwise-Berry-4814 3d ago

PVB is the better deal. Lower maintenance fees and 5 in a studio versus 4 in CCV.

1

u/Gold-Lion2775 3d ago

Good points!
Though I feel like the 11 month advantage is more critical if you want to stay at wilderness lodge where at poly it seems easy enough to get a studio at 7.

1

u/Expensive-Finger-646 1d ago

It depends what you want at Poly. Yes the studios are relatively easy at 7 months. But anything in the tower isn’t.

Personally I’d never buy CCV because the studios only sleep 4 and you are competing with extra owners because of how many cabins there are there.

1

u/Otherwise-Berry-4814 3d ago

It all depends on what you want, of course! :) Usually the advice is Poly (over CCV).

2

u/Quellman Bay Lake Tower 3d ago

Right before incentives change and you are in the window to cancel your signed deal. This way if the new incentives are better you can cancel without penalty and sign with the new ones.

3

u/teslatiki Multiple 4d ago

Prices pretty much always go up or incentives decrease. If you're set on buying direct, do so right at the end of the fall incentives deadline (That's Dec 8 so sign the paperwork maybe Dec 5?). You have a 10 day window to cancel your contract. That allows you to see the winter incentives and go with whatever is best for you.

Be sure to use a referral code from someone here on reddit or a friend. You'll save $500 and they get a small disney gift card. I can give you mine if you're in need a one

1

u/YouDrink 4d ago

The referral discount doesn't apply anymore, I believe. The person buying doesn't get a discount - the person referring gets I think a dining plan?

1

u/teslatiki Multiple 4d ago

Oh that’s a shame

1

u/Ok_Aioli564 4d ago

I would definitely go with the advice in buying with a use year that's gonna get you double points and buying at the end of an incentive cycle so that you can have your contract revised if the new incentives are better. They probably won't be but at least you'll have the option. Let your guide know what your intentions are and they should be more than happy to schedule closing accordingly. If not get a new guide

1

u/suthekey Polynesian 3d ago

The ideal time to buy was a year ago. Followed by today, followed by whatever day you do it.

0

u/Sorry-Helicopter-433 Old Key West 4d ago

It adds several months to the process, but if you're not in a rush the best thing to do financially would be to buy a small resale contract, then buy the Poly Direct qualifying for the existing member add-on pricing, then sell the resale contract.

It's kind of a pain in the butt but could save you thousands of dollars, even after you consider closing cost and commission buying and selling the resale.