DVC - Help me decide!!

Financing DVC would probably eat most if not all the possible savings and Disney finances at 10% or more interest. It's incredibly high. Instead of financing, I would just buy a smaller contract resale and cash, use it for a couple of times, maybe banking and borrowing, see if DVC works for you and then save to add-on later.
 
Don't forget to find out how many years are remaining in the contract before you buy a secondhand (resale) Disney Vacation Club membership.
 

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