Princessbunny, we have all been there when buying a DVC contract was a super exciting concept. But understand what you are getting. You are essentially paying several thousand dollars to lock in a good rate on a hotel room for the next 30-50 years. And by doing so, locking yourself into vacationing where these hotel rooms exist (WDW, DL, etc). Only these hotel rooms have to be booked many, many months in advance. And at peak times, you won't be able to book certain locations outside your home resort at all.
There is no "club" in DVC, despite the spin of the timeshare sales people. It is fixing a rate on future hotel stays. Nothing less or more. Here I am superimposing your dues, plus a fraction of purchase price, versus cost of a cash room rental- but the analogy essentially holds.
So when I see that you are considering paying usurious interest rates to buy in, it is painful. Please think long and hard before you pay this level of interest for this product. Far better to save for a couple years and pay cash. Otherwise you are in essence throwing money away now (interest) in order to save money (DVC versus deluxe Disney hotel rates) in the future.
Also, the comparison of DVC versus a Disney deluxe doesn't always hold true- so know exactly what you are buying before you purchase. Many are very happy with the DVC timeshare accommodations. Some are not- see the many threads here for further details.
All this said, we love our DVC points that we paid for with cash. We will get great value from the product over the years. Just keep in mind that a resale market exists because other people didn't have that same outcome.