Skip to main content RCI
SIGN IN
WELCOME
United States - English
  • United States - English
  • United Kingdom - English
  • Africa - English
  • Argentina - Español
  • Asia - English
  • Belize - Español
  • Benelux - Nederlands
  • Bolivia - Español
  • Brasil - Português
  • Canada - English
  • Canada - Français
  • Chile - Español
  • Colombia - Español
  • Costa Rica - Español
  • Danmark - Dansk
  • Deutschland - Deutsch
  • Ecuador - Español
  • El Salvador - Español
  • España - Español
  • France - Français
  • Guatemala - Español
  • Honduras - Español
  • India - English
  • Italia - Italiano
  • Kenya - English
  • Magyarország - Magyar
  • Mauritius - English
  • México - Español
  • Middle East - English
  • Namibia - English
  • Nicaragua - Español
  • Pacific - English
  • Panamá - Español
  • Paraguay - Español
  • Perú - Español
  • Portugal - Português
  • South Africa - English
  • Suomi - Suomi
  • Sverige - Svenska
  • Tanzania - English
  • Türkiye - Türkçe
  • Uruguay - Español
  • Venezuela - Español
  • Zambia - English
  • Zimbabwe - English
  • Ελλάδα-Ελληνικά
  • Россия- Русский
  • 亚洲 - 简体中文
  • アジア-日本語
  • About
    • About RCI
    • RCI Membership Benefits
    • Become a Member
    • Get Started
    • Member Stories
    • RCI TV
    • Our Exchange Programs
    • RCI Mastercard®
    • RCI Magazine
    Our Exchange Programs
    Our Exchange Programs
    RCI Mastercard®
    RCI Mastercard®
    RCI Magazine
    RCI Magazine
  • Resorts & Offers
    • Resort Deals
    • Vacation Ideas
    • Featured Destinations
    • Explore All Interests
    • All Inclusive Vacations
    • Group Reservations
    • RCI Travel
    • Resort Directory
    • Explore Las Vegas
    RCI Travel
    RCI Travel
    RESORTS & OFFERS
    Resort Directory
    Explore Las Vegas
    Explore Las Vegas
SIGN IN REGISTER

Sign in to your account.

Forgot Username or Password?
New to RCI? Register
Sign In and Register is disabled while the system is down for maintenance
United States - English
  • United States - English
  • United Kingdom - English
  • Africa - English
  • Argentina - Español
  • Asia - English
  • Belize - Español
  • Benelux - Nederlands
  • Bolivia - Español
  • Brasil - Português
  • Canada - English
  • Canada - Français
  • Chile - Español
  • Colombia - Español
  • Costa Rica - Español
  • Danmark - Dansk
  • Deutschland - Deutsch
  • Ecuador - Español
  • El Salvador - Español
  • España - Español
  • France - Français
  • Guatemala - Español
  • Honduras - Español
  • India - English
  • Italia - Italiano
  • Kenya - English
  • Magyarország - Magyar
  • Mauritius - English
  • México - Español
  • Middle East - English
  • Namibia - English
  • Nicaragua - Español
  • Pacific - English
  • Panamá - Español
  • Paraguay - Español
  • Perú - Español
  • Portugal - Português
  • South Africa - English
  • Suomi - Suomi
  • Sverige - Svenska
  • Tanzania - English
  • Türkiye - Türkçe
  • Uruguay - Español
  • Venezuela - Español
  • Zambia - English
  • Zimbabwe - English
  • Ελλάδα-Ελληνικά
  • Россия- Русский
  • 亚洲 - 简体中文
  • アジア-日本語
Back to RCI® Help page

RCI Help

What is Borrowing Points?

Borrowing Points refers to moving Points from your next Use Year to use in your current Use Year. Borrowing points is free--provided you’ve paid your next Use Year’s annual RCI® dues.

For example, if your current Point balance is 24,000 Points, but your desired exchange vacation is valued at 30,000 Points, you can Borrow the extra 6,000 Points from your next Use Year.

  • What can I do if my Points are close to expiring?
  • What is a Use Year?
  • Why does my Use Year not start on the first day of the year?
  • What is the difference between 'term expiration' and 'paid thru' date?
  • How do I find resorts with reduced points (Instant Exchanges)?
  • What is Renting Points?
  • How do I Rent Points?
  • What is Transferring Points?
  • How do I Transfer Points?
  • What is Saving Points?
  • How do I Save Points?
  • What is Extending Points?
  • How do I extend my Points?
  • What is Borrowing Points?
  • How do I Borrow Points?
  • What are the benefits of Borrowing Points?
  • What is Points for Deposit?
  • How many Points will I receive for my eligible week?
  • How do I use Points for Deposit?

Search Help Center

Still have questions?

We’ve got it covered.

Need To Get In Touch With Us?

   Chat

CONTACT US

Speak with a Vacation Guide

RCI Weeks®

1.800.338.7777

RCI Points®

1.877.968.7476

Monday-Friday 8am-8pm
Saturday 8am-5pm
Closed on Sunday; holiday hours vary

Get Help On Facebook or Twitter

  • Get help on Facebook
  • Get help on Twitter

Available Monday-Friday 9am-5pm EST

RCI

JOIN

  • Become a Member
  • Get Started with RCI
  • Why Timeshare?
  • Our Exchange Programs

ABOUT RCI

  • About RCI
  • RCI Magazine
  • Member Stories
  • RCI Mastercard®
  • RCI TV

HELP

  • Help Library
  • Contact Us
  • Travel Advisories
  • Fraud Prevention Alert
  • Do Not Sell/Share My Personal Information

RESORTS & OFFERS

  • Resort Directory
  • Resort Deals
  • Vacation Ideas
  • Featured Destinations
  • Explore All Interests
  • All Inclusive Vacations
  • RCI Travel

RESOURCES

  • Privacy Notice
  • Disclosure Guide
  • Terms of Use
  • Terms & Conditions
  • Careers
  • RCI Affiliates
  • Resale Advisory

JOIN OUR COMMUNITY

  • Facebook
  • Twitter
  • Youtube
  • instagram
  • Pinterest
RCI Weeks 1.800.338.7777
RCI Points 1.877.968.7476
Signature Selections by RCI 1.866.280.7496

Hawaii TAT Broker ID

#TA-023-193-6000-01


Proudly Supports Timeshare.com

© RCI, LLC. RCI and related marks are registered trademarks and/or service marks in the United States and internationally. All Rights Reserved.