The ability to finance your Disneyland Annual Passport (AP), to buy now and pay later, is a large reason many people are able to own the passes at all. If you’re like me, you may find the wording about this on Disney’s website a bit confusing.
Are you wondering if you’re eligible to make monthly payments? Do you need to qualify? Do you need credit references? Are there finance charges?
We’re going to clear up that confusion right now!
All California Residents Can Finance Their Disneyland Annual Passport
Monthly payments are valid only for California residents living in zip codes 90000-96199…
Most people think zip codes 90000-96199 are for the Los Angeles and San Diego metro areas only, but they’d be wrong. This area covers every county and town within the State of California.
This means that you can live in San Francisco or Redding, which are most definitely in Northern California, and still finance your Disneyland Annual Passport.
Residents of other states may buy annual passes, but do not have the option of monthly payments. Financing is only available for those who live in a California zip code, but the payment amount will differ depending on whether you’re a new or existing Annual Passholder.
You can set up monthly payments either online or in-person at the park, but not with a Cast Member over the phone. This is because Disney needs your signature on the financing contract.
Also, while most AP’s can be financed, the Disney Premier Passport can not. The entire cost for a new pass must be paid in full at time of purchase. However, there is a trick when upgrading an existing AP to Premier. Check out our Disneyland Annual Passport Tips And Tricks page for more information.
New Annual Passholders: Be Prepared For A Large Initial Payment
If you live in California, it’s easy to write-off the relatively small monthly payments as an affordable and insignificant expense. While the finance option does allow you to pay in smaller chunks, spreading the cost of your Annual Passport over 12 months, if you’re buying a brand new AP don’t forget to account for the first payment in your vacation budget.
A one-time down payment of $97.00 is required for all new, financed Annual Passports.
Everyone making payments on a new AP has to make a down payment equal to a 1-Day single-park value ticket ($97). This means that the first pay-period on your AP will be much larger, $117-$176 per passport depending on which level you buy.
|Disneyland Annual Passport||Down Payment||Monthly Payment For New AP’s||Initial Payment (Down Payment + First Month)|
|Southern California Select AP||$97||$20.17||$117.17|
|Southern California AP *||–||–||–|
|Premium AP **||–||Not Available||–|
|Signature Plus AP||$97||$79.33||$176.33|
|Disney Premier Passport †||None||–||$1,439.00|
** As of October 2015 the Premium Annual Passport is not available for purchase or renewal.
† For ease of use, the price of the Disney Premier Passport does not include sales tax. Also, while the Premier AP cannot be directly financed, though there is a workaround solution to this problem. Visit the AP Tips & Tricks page for more information.
Current Annual Passholders: Expect Higher Monthly Payments
If you’re renewing an existing Disneyland Annual Passport, you won’t have to make a down payment.
Though current Annual Passholders receive a renewal discount, their monthly payments will be higher because there is no initial down payment. Existing passholders will pay the slightly discounted price of the AP, averaged over 12 months, so expect to see slightly higher charges on your credit card than originally advertised.
Also, if you have the AP yearly parking option on your current Annual Passport, that cost ($199) will also be averaged over the year, further increasing the amount of your monthly payments.
Below is a table showing monthly payments for existing passports.
|Monthly Payment For Current AP’s|
|Disneyland Annual Passport||Without Parking Option||With Parking Option|
|Southern California Select AP||$27.42||$44.00|
|Southern California AP||$37.42||$54.00|
|Premium AP||Not Available||Not Available|
|Signature AP||$66.58||Already Included|
|Signature Plus AP||$82.42||Already Included|
|Disney Premier Passport †||–||–|
† The Disney Premier Passport cannot be financed.
Do you want to put extra money down when renewing your AP or even make an extra payment during the year? Well, you certainly can!
For more information on this and other AP renewal topics, visit our ‘Renewing Your Disneyland Annual Passport‘ page.
AP Monthly Payments – The Fine Print
Financing a Disneyland Annual Passport is not like buying a home or car.
- You don’t need credit references and there won’t be a personal credit check.
- There isn’t a long credit application.
- You don’t need to qualify (like you would for say, a credit card).
- There is no interest or finance charges.
- There is no penalty for paying off your AP early.
Essentially, Disney extends you an interest-free, good faith loan that costs you nothing and without any prepayment penalty. However, there are extra charges if you do something like miss a payment, so do your part and keep up with what you owe.
There are some differences if you’re already financing your AP and want to upgrade your pass, which we discuss on our Annual Passport Upgrade page.
Southern California Annual Passports Are For SoCal Residents Only
Even though you can live in Central or Northern California and finance your pass, you must still physically reside in Southern California (zip codes 90000-93599) to own either the Southern California or Southern California Select Annual Passports.
If you’re already making payments, and want to know the amount still owed on your pass, visit our AP payment schedules page for more information.
How do Disney’s monthly finance options factor into your vacation plans? Leave us a comment below. Thanks for reading. and we’ll see ya’ real soon!