How to Get Out of a Marriott Timeshare: What Marriott Vacations Worldwide Publishes, and What It Keeps Behind the Login

How do I get out of my Marriott timeshare?

If you are still inside your state’s cancellation window, cancel in writing now; it costs nothing and returns your money. Otherwise, contact Marriott Vacations Worldwide’s Exit Specialists in writing and check what your ownership would actually sell for. Marriott Vacation Club owners log in at the Marriott owner site, Sheraton and Westin Vacation Club owners log in at vistana.com/exit, and Hyatt Vacation Club owners log in to The Lounge. Marriott’s responsibleexit.com listing gives 800-226-9150 for its Exit Services Team; Hyatt Vacation Club’s gives 833-891-9412. Marriott publishes no program name, eligibility rules, fee, or processing time on any public page we could reach, so ask for all four in writing. If the timeshare has no resale value and Marriott turns you down or names a price you can’t accept, a free consultation and file review from an attorney-backed exit firm is one route to consider.

Who owns Marriott, Sheraton, Westin, and Hyatt timeshares?

Marriott Vacations Worldwide, which trades on the New York Stock Exchange as VAC, is a separate company from the Marriott hotel company. It became a standalone public company in 2011, and its annual report lists Marriott Vacation Club, Sheraton Vacation Club, and Westin Vacation Club under “Brands Licensed from Marriott International,” with Hyatt Vacation Club licensed from Hyatt. It acquired ILG in 2018 and Welk Hospitality Group in 2021, and in 2023 it rebranded all of the former Welk resorts as Hyatt Vacation Club. Marriott’s exit page describes the Sheraton and Westin clubs as “formerly Vistana.”

Hyatt Vacation Club’s exit page says the club “is not owned by or an affiliate of Hyatt Hotels Corporation” and uses Hyatt’s name under license. The page says the clubs are operated by HV Global Group, Inc. and WHV Resort Group, Inc.

According to its 2025 annual report, Marriott Vacations Worldwide had 120 resorts serving approximately 700,000 owner families at the end of 2025. It says it sells “the majority of our products through points-based ownership programs.” Those points products “offer usage in perpetuity or for a specified term of years and may consist of real estate interests or a contractual right-to-use.” Its weeks products in the United States and select Caribbean locations “are typically sold as fee simple deeded real estate interests.” Your contract will say which one you own, and the answer can change what the exit team offers you.

What does Marriott’s exit program offer?

Here is everything Marriott makes public. The exit hub tells owners to “Select your vacation ownership brand below to log in and get started.” Marriott’s and Hyatt’s exit pages both say that “Reduced finances, fixed incomes, declining health” and other reasons may make it hard for owners to vacation regularly. Hyatt’s page says: “Log in to The Lounge to contact an Exit Specialist.”

Marriott’s listing on responsibleexit.com, the exit directory run by ARDA, the developers’ trade group, adds one line: “If you’re an Owner of Marriott Vacation Club, Sheraton Vacation Club or Westin Vacation Club, when you work with our Exit Services Team to plan your timeshare exit, you’ll receive information and guidance from a brand you trust.” It names no eligibility rules.

Cost: not published.

Who it works for: not published.

What disqualifies you: not published. We could not confirm whether Marriott requires the loan to be paid off, the maintenance fees to be current, a minimum ownership period, or a particular product type. Those terms sit behind the owner login.

What should I ask Marriott’s Exit Specialists?

The FTC tells owners exploring an exit to “start by contacting your timeshare company directly,” and with Marriott that means the owner login. Since you can’t read the rules in advance, make the call do the work. When you log in, save or print whatever program terms you see. Then ask, and write down the name of the person you spoke to and the date:

1. What exit options do you have for my ownership, and what is each one called?
2. Does an open loan balance disqualify me? Do my maintenance fees have to be current?
3. Does it matter whether I own points, a deeded week, or a Hyatt or legacy Welk product?
4. What does it cost, all in, including any transfer or recording fees?
5. How long does it take, and what will I receive in writing when it is done?

Ask them to put the answer to question 2 in writing. If the answer is no, that written refusal is the first document an exit firm or an attorney will ask you for.

What would a Marriott timeshare sell for?

Check this alongside the Exit Specialists call, because it tells you whether selling is a real option. Marriott’s annual report says resale buyers “may not be entitled to receive certain ancillary benefits such as full access to our internal exchange programs,” and that many of its ownership interests give it a right of first refusal on resales. Both can weigh on what a buyer will pay. The FTC warns, “Don’t assume you’ll get back what you paid for your timeshare,” and suggests an appraisal service to analyze the value of one you might sell. Compare closed sales of similar Marriott points or weeks rather than asking prices. The FTC says to deal only with licensed real estate agents and brokers, and that it is better to use a reseller that takes fees after the sale. Our resale guide covers the rest.

How much does the Marriott loan cost you?

Marriott Vacations Worldwide’s 2025 annual report puts the weighted average stated interest rate on its originated timeshare loans at 12.9% at the end of 2025, with rates ranging from 0.0% to 20.9%. Loans it took on through acquisitions averaged 14.1%, ranging up to 21.9%. On its 2025 originations, the average loan was $30,900 at 12.8% over 11 years, with an average monthly payment of $505. Loan terms are “generally ten to fifteen years,” and the company says “We do not impose any prepayment penalties.”

Compare that with what Marriott pays. The same filing puts the weighted average interest rate on its securitized debt, the money it borrows against those loans, at 4.8% at the end of 2025.

Few lenders will refinance against the timeshare itself, because it has almost no resale value. If you qualify for a lower rate, a personal loan can replace the Marriott loan, and Marriott’s no-prepayment-penalty policy means paying it off early costs you nothing extra. Before you refinance in order to qualify for an exit, get Marriott’s written answer on whether a paid-off loan would change its decision. The ownership and the loan are separate obligations, and our loan payoff guide explains how to price both.

Why does Marriott keep offering more points?

Existing owners are most of its sales. The annual report says: “In 2025, approximately 70% of our vacation ownership contract sales were to our existing owners.” It also explains how an upgrade gets financed: “Existing customers may apply any or all of their existing ownership interests as part of the down payment for additional VOIs (also referred to as an equity upgrade).” ARDA’s industry-commissioned 2026 study found the same pattern across the industry, with 61% of 2025 sales volume going to people who already owned.

That shapes the exit conversation. A call to the Exit Specialists or an owner update meeting can turn into an equity upgrade offer, which folds the ownership you want to leave into a bigger one: your old contract becomes the down payment on a new contract with more points, a higher annual fee, and, if you finance it, a new loan. Sign nothing at that call or meeting. If what you hear in response to “I want out” is an upgrade offer, count it as Marriott’s no. See the upgrade trap for how those meetings are built.

Marriott’s own filing ties climbing fees to defaults. In 2024 the company increased its sales reserve partly because of “year-over-year increases in maintenance fees for 2023 and 2024, which we believed were driving continued elevated delinquencies and default rates.” At the end of 2025 it estimated an average remaining default rate of 13.51% on its timeshare loans.

Can I still cancel with rescission?

If you are still inside your state’s cancellation window, yes, and it beats every other route here because you get your money back. Nolo says most states allow 3 to 15 days, varying by state, and that the right is typically nonwaivable. Follow the notice method in your contract exactly, and use our rescission deadline tool to find your last day.

Has Marriott Vacations Worldwide faced regulators over its timeshare sales?

We did not find a state attorney general, FTC, or CFPB action over Marriott Vacations Worldwide’s timeshare sales practices in the primary sources we checked. That is not proof none exists. If you believe a salesperson misrepresented what you bought, write down what you were told now, and see our guide to sales presentation misrepresentation.

What if Marriott says no?

Get the refusal in writing and ask what specifically disqualified you. If it was the loan, the loan section above applies. If you were pointed to a resale listing, ask what it costs and how long listings like yours usually run, because the ownership and its fees stay with you until a buyer closes.

Disclosure: Candid Yak works with Vacation Ownership Consultants, a timeshare exit firm, and may be paid when readers hire it.

Vacation Ownership Consultants (VOC), an attorney-backed exit firm in Scottsdale, Arizona, describes developer surrender programs as discretionary policies that are not legal rights, and tells owners to get written confirmation before assuming they have been released. Its own published process begins the way this page does: “Contact your resort and check the resale market.”

When there is no resale value and Marriott has refused or quoted terms you can’t accept, a free consultation and file review is a sensible next step. VOC’s process: you upload your billing statements, purchase agreement, and any deed through its eligibility form, its team determines what your ownership may qualify for, you receive a free file review, and then you choose whether to enroll for a one-time flat fee. Its home page says VOC doesn’t “discuss billing until we’ve made sure you qualify.” VOC’s review is free; other firms set their own terms.

An attorney-backed exit firm is one route to consider when Marriott won’t take your product, or won’t take it while a loan balance remains. A legitimate firm reviews your contract and payment history before it quotes anything. Where the method calls for it, the firm retains an attorney who deals with Marriott on your behalf and looks for specific problems with how the timeshare was sold, such as a salesperson who pitched it as an investment. In our view, a lawyer’s letter is harder to ignore than a phone queue. No firm can promise how Marriott will respond.

Choose carefully, because the exit business has a public enforcement record. Washington’s attorney general said in 2020 that “Reed Hein does business under the name Timeshare Exit Team,” and its 2021 settlement release says more than 2,800 Washingtonians paid the company upfront fees from just under $3,000 to tens of thousands of dollars per exit, and that it at times advised customers to stop paying their resorts. In April 2026, after an FTC investigation, a federal court ordered Christopher Carroll, a top operator of a timeshare exit scheme run through a company called Consumer Law Protection, to pay $140 million. Marriott’s annual report lists “the influence of timeshare relief firms” as a source of default risk. For a Marriott, Sheraton, Westin, or Hyatt owner, test any firm on these points:

• It tells you to get Marriott’s written answer before you sign or pay anything, since the program terms are behind the login.
• It never tells you to stop paying. Once a Marriott loan is in foreclosure, the company says it won’t accept payments unless they fully reinstate the note.
• It never claims a connection to Marriott, Sheraton, Westin, or Hyatt, and it names the attorney who will handle your file.

Our red flags page has the full list. Keep paying while you work this out. Marriott’s annual report says that once a loan is in foreclosure, it does not accept payments “unless the amount is sufficient to pay all past due principal, interest, fees and penalties owed and fully reinstate the note.” Partial catch-up payments stop being an option. Our guide to timeshare foreclosure covers the rest.

The order to work in

Still in your cancellation window? Check your rescission deadline and cancel in writing today. It costs nothing and returns your money.

Next, ask Marriott and check the market. Log in, save the program terms you find, ask the five questions above in writing, and look up what similar Marriott ownerships have sold for. Sign nothing at the call or an owner update; an upgrade offer is a no.

Still owe on the loan? Ask whether a payoff changes the answer, and compare a lower-rate personal loan before you refinance.

No resale value, and Marriott said no or quoted terms you can’t accept? Get a free consultation and file review from an attorney-backed exit firm that passes the checks above.

Other routes: if you have documents showing a salesperson misled you, take them to your own attorney, and if your ownership is paid off, try a resale through a licensed broker who takes fees only after the sale, as the FTC advises. Run the exit cost calculator on what staying costs.

Disclosure: Candid Yak works with Vacation Ownership Consultants, a timeshare exit firm, and may be paid when readers hire it. This page’s author, Kira Fairbank, is a manager at Vacation Ownership Consultants. We cite its published case data on this page where marked.

This is general information, not legal advice. Marriott Vacations Worldwide sets its exit terms privately and can change them, and your options depend on your contract, your loan, and the law in your state. Before you sign a release, refinance to qualify for one, or stop any payment, put your contract in front of an attorney licensed in your state.