Planning a Disney vacation can be expensive, especially if you’re looking to spend your nights at a Disney resort. Between park tickets, room rates, food and souvenirs, costs can really add up.

Being thoughtful about your approach to budgeting and financing a vacation is a smart money move, and you have options when it comes to paying for your trip. If you book a Walt Disney World vacation package, including at least accommodations and park tickets, you may be eligible to pay for the package in installments.

Let’s look at Disney payment plans, how these types of packages work and what’s included in the process.

What’s included with a Disney trip payment plan?

There are plenty of advantages to staying at a Disney resort, including early entry to the theme parks and advance access to restaurant reservations. However, there is an additional advantage to booking these packages directly with Disney.

Unlike third-party websites, which can require you to pay in full upfront (or at the check-in desk), Disney allows customers to book and pay for vacations over time. This is true whether you’re purchasing just a room or a room and theme park tickets.

The best part: There is no interest charged when paying over time.

Unlike a credit card or loan, this plan acts much like a layaway program. Your reservation is confirmed and will need to be paid before your vacation, but there are no additional costs for making multiple small payments over the months.

When are Disney World vacation payment plans due?

Disney allows guests to book hotels out to the end of its calendar. Final payments for your package need only be made 30 days before your arrival date.

So let’s say you’ve booked a Disney World package payment plan for a stay in December 2024. There’s a $200 deposit required when you make your reservation, but then the total balance won’t be due until November 2024.

In the meantime, you can make as many or as few payments as you want without incurring additional fees. You can also cancel for free up until the deadline.