Disney does offer financing at an interest rate of about 10% I think. They did explain to me that a credit score of over 700 is pretty much automatic and if you choose “direct debit” of your loan payments from your account every month the interest rate is 9%.
If you buy the popular package of 150-160 points your monthly payments are about $150. I chose the coupon book, NOT direct debit, b/c I am paying a lot more per month than the minimum due so it will be fully paid off in 2 years.
I agree with Lopo about OKW being one of the “cheapest” annual dues. I found this chart on dvcresales.com. I can’t confirm how completely accurate it is but it will give you an idea. (This is PER point; for example I have 160 points at SSR so accourding to this chart my annual dues for 2005 were $636.80) Oh, and YES, you do have the option to pay your annual dues in one lump sum or in payments.
Annual dues, per point, for 2005 at each resort are as follows:
Saratoga Springs $3.98
Old Key West - $4.24
Hilton Head - $4.34
Beach Club Villas - $4.48
Wilderness Lodge - $4.61
Boardwalk Villas - $4.69
Vero Beach - $5.27
Anyway, I hope this helps your decision. I was SO back and forth about it for about 2 years then I realized I could have paid it off in those two years of indecision and ended up spending a ton of money on Disney trips anyway! So, it was a great decision for me!