You're not stuck forever. Thousands of RCI owners have successfully exited — here's exactly how they did it.
RCI isn't a timeshare developer — it's an exchange network. But if your timeshare came with a mandatory RCI membership, you're paying fees to both your home resort AND RCI, doubling your annual obligation while availability on the RCI exchange has reportedly declined for most members.
The RCI exchange promise — 'you can go anywhere in the world' — is the centerpiece of many timeshare sales pitches. In reality, getting the destination you want through RCI requires depositing your week well in advance and competing with thousands of other members.
The good news: the exit door exists. It just wasn't shown to you at the sales presentation. Below are your real options.
Compare your options — from fastest to most reliable:
| Exit Method | Typical Timeline | Works If | Risk Level | Recommended |
|---|---|---|---|---|
| Rescission (Cancel within window) | Immediate | Within your state's rescission period (typically 3-10 days) | None | ✓ Yes — if eligible |
| Deed-Back to RCI | 3-12 months | Account current, no outstanding loan, company accepts | Medium | Try first — with help |
| Legal Cancellation (Attorney) | 6-18 months | Misrepresentation or fraud documented at sale | Low | ✓ Best for most owners |
| Timeshare Exit Company | 6-24 months | Company is licensed; avoid upfront-fee-only firms | Medium | Verify credentials first |
| Resale on Secondary Market | 12-36 months | Finding a buyer (rare; usually $1) | High effort / low return | Last resort |
| Stop Paying (Foreclosure) | 6-18 months | Willing to absorb credit damage | High — credit damage | Not recommended |
Not all exit companies are created equal. Here's what to look for — and our top picks for RCI owners specifically:
Avoid any company that demands large upfront fees before doing any work, guarantees results before reviewing your contract, or claims to "sell" your timeshare for you. Always verify BBB rating and ask for escrow payment options.
Tell us about your situation — a licensed advisor will review your RCI contract and call you within 24 hours with your options. No obligation.
RCI membership is typically annual and can be non-renewed. However, if RCI membership is bundled with your timeshare contract, the underlying timeshare must also be exited.
This depends on your contract. Some timeshares mandate RCI membership; others offer it optionally. Review your contract or consult an exit specialist to understand your obligations.
Yes, if RCI is bundled with your timeshare. If it's a separate subscription, you can discontinue it independently.
Without a home resort to deposit into RCI, membership offers very limited value. Most owners exit RCI as part of their overall timeshare exit.
Every month you wait is another payment. Get a free evaluation today — no obligation, no pressure.