Disney World Payment Plans Offer Flexibility

It is not always easy for families to save up enough money for a Disney World vacation.  Even when you set goals to put aside a set amount, there is always something that seems to come up.  The kids need money for school, sports, or clothes.  You car or house might need an emergency repair.  All of these things can derail your vacation savings plans before you see the finish line.

Luckily Disney World does offer a flexible and interest fee payment plan for all packages purchased directly through the Disney World website and reservation line.  Although it is not officially called a “payment plan” it offers many of the same benefits.  Best of all, it applies to anyone who signs up.

How It Works
Disney World allows you to plan and book your vacation package by putting up a $200 deposit.  After this point you are free to make payments in any amount and whenever you want.  There is no interest or additional costs to sign up for this feature.  The only requirement is that your total vacation package must be paid in full 45 days before your trip.

Disney World Payment Plans

Since there are no penalties or fees if you pay within the allotted time, you can customize your payments to fit within your budget.  This works especially well for people who are expecting tax returns or work bonuses to fund their Disney vacation.  They get the opportunity to plan their trip today and pay for it later.

You can use to manage the finances for your Magic Your Way vacation package. Once you have registered you can keep track of how much you owe and even make payments directly through the website.  You can pay the entire balance at anytime before 45 days prior to your arrival.

Also, if you want to apply a PIN code, reduce the number of days or switch to a different resort inside of 45 days or less, then a $50 service fee might be charged. Speaking of fees, watch out for the addition of nonrefundable travel insurance to your package. This is included by default and you can only cancel it while you are on the phone making your reservation.

This is a great alternative to the hefty interest rates that credit cards have, and the flexible terms means you won’t accrue fees for unexpected events that prevent you from making your payment.  Of course you will lose your $200 deposit and any credited payments if you default.  But as long as you have the means to pay on time then there is no better way to take the anxiety out of paying thousands of dollars for your trip to Walt Disney World.

Note that this only applies to Magic Your Way packages purchased directly through Disney World.  The payment terms are not available for single ticket purchases or separate hotel room reservations.

53 thoughts on “Disney World Payment Plans Offer Flexibility”

  1. looking into more information I come dow yearly but like the options of paying monthly so doesnt seem like a lot at the end just before vacation do you have any more information you could send to me its for 2010 year thanks robin cawood

  2. I would like to set-up payment plans for a Disney Vacation. However, I would like to go to the one in Anahiem, Ca. I can not locate any pricing.

    2 adults, 3 childrenf July 16 2010 thru July 24, 2010. Include 2-3 park visit during our stay. What website should I use.

  3. Celeste,
    Pricing may not yet be available for dates after June 1st, but they should be coming out soon. You can always call the Disney reservation line at (407) 939-7500.

  4. The payment option is available within your online registration. You will be asked for the intital deposit…not the full amount. Once you signup, an account will be created for you that you can login into at any time to view the details of your trip.

    After registration you have until 45 days before your stay to come back and pay the balance. You can pay as much as you want up until the due date.

    Hope this helps!

  5. My husband and I are researching a possible for a Disney Cruise in 2011. Is the deposit $200/pp or $200 in total

  6. Kim,

    The deposit is $200 total, but I’m not sure if the payment program is available for cruises. Definitely for Magic Your Way packages though.

  7. April,

    It does not cost anything for the payment option. Simply sign up for it through your online registration at the Disney World website. No interest or fees are charged.

    Everyone else,

    Just to be clear…you first have to book you vacation before you can elect for the payments. Once you have booked you will have your own online login where you can track and make payments on your Disney Vacation.

    If you book by phone, just ask the operator about the deposit and payment option.

    Hope this helps – DW

  8. I am wanting to schedule a vacation and utilze the payment plan, however due to my unusal work schedule and my wife’s work schedule, the initial dates we may want will probably change. so if i elect the payment plan with pre-set days to go, will I be able to change the days for my vacation if needed? Thanks

  9. I already have tickets that were given to me as a Christmas present. Is the flexible payment option available when purchasing room reservations only via

  10. I have used Small World Vacations (they are a direct travel agent through Disney World). You can change the dates (with no penalty as long as it is done so far in advance, like 45 or 60 days…not sure the length). Also, if you make a reservation and any deals come out, they will adjust your package to get you the better deal. They were great to work with as they will do any dining reservations you need as well.

  11. My family is planning a disney vaction for 2011, but the disney site says they are not taking reservations for 2011 yet. We want to use the payment plans so we would like to start making those payment right away. What should I do?

  12. Sorry Amanda – Disney World does not open reservations for next summer until after the close of this year. You best bet is to open a savings account to keep your extra money stashed away until January 2011.

  13. They need to make the plan at least a year ahead of time, people need to plan and make payments and then the 45 days before the trip you save for your sovieners the longer we save the more WE spend!!!!!!!!!! Disney freak Tessa

  14. For those asking when they can reserve for the next year:

    You can book the room, by phone, 500 days in advance. This requires a deposit of one night’s rate. You can later upgrade to a magic your way package when the prices come out for the next year. This does not apply to DVC rooms (villas)

    If you want to book the full package for the $250 deposit you need to wait till the price for the year you’re booking come out, generally this happens in August. So if you want to book for 2011 you need to wait for August 2010 for the prices to be released.

  15. I’m wanting to do a Disney cruise April, 2011, goes ur above
    post apply to my situation? Can I book with a couple
    hundred instead of one grand?

  16. “You can use to manage the finances for your Magic Your Way vacation package. Once you have registered you can keep track of how much you owe and even make payments directly through the website. You can pay the entire balance at anytime before 45 days prior to your arrival.”

  17. I would like information on how to make reservation for a family vacation to Disneyworld in fl, and to start paying for it now

  18. Mario – Disney World does not take reservations beyond 12 months, and sometimes even less. You would be best to setup a personal savings account or something similar to begin saving money for your trip.

  19. when doing the payment plan. does this also make you able to pay for the airline tickets thru the payment plan also.

  20. I have a question. I was going to get a vacation package for 4 days 3 nights…but was planning on changing my tickets to 10 days with park hopper and no expiration…so i can pay monthly for my tickets. I wonder if ur allowed to do that. Basically…if you want to get no expiration must pay upfront…but i was gonna get them through my vacation package so i dont have to pay all upfront yet still pay less for the other six days i will have left on my tickets.



  21. I’m wanting to book a vacation in January 2012. I’m planning traveling with my husband, 2 small kids, plus my parents and sister. Can I book 2 room separately under one Reservation, and if so how much would the deposit be? Is it $200 FLAT deposit regardless of how many people, or per person deposit?

  22. My entire family is planning our family reunion of 2012. And would like some info about a group package and flexiable payment plan.

  23. This sounds like a high risk proposition. So I can make a deposit and periodic payments with them, but if something happens and I can’t finish paying I lose everything I put down on the vacation?

    Sounds to me like its better to put the money away in some kind of personal savings account.

  24. So, if I purchase the vacation package and put the $200 down and continune to pay a ceratin amount, say, every month towards the package, at what point would I lose all of the money I have paid? Would I only lose it if I have to cancel within the 45 day time frame? Is it not refundable at any point? I am just trying to get a few more answers. Thanks!

  25. Would like to go next April. What’s the earlier I can book so I have more time to pay it off. Above you said same calander year. So I can’t book it any earlier than January?

  26. After the 44 day mark and the package is paid in full, can you add park tickets (days) without having to pay the $50 change fee? I thought that the $50 only applied if you are decreasing the total price of your package or changing resorts? Can you increase from 1 day to say 3 days in tickets only while keeping the rest of your package the same?

  27. Interested in booking a Disney vacation? Contact me at Ears To You Travel.-We specialize in Disney Destinations. I’ll be happy to work with you to create a Disney vacation that’s right for you, your family and your budget. Here’s the best part- our services are FREE!

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