Yes, we are financing, because my husband did not get a bonus this year. His bonus (if paid) comes in March, and I did not want to wait another year to start DVC. We plan to pay it off plus get 2 more contracts with his March 2023 bonus, but that could backfire if he does not get a bonus again, lol. We can still make the payments, just can't pay it off without a bonus. Funnily enough, I was going to go to Aulani over Thanksgiving 2022 (now points won't get in on time for that anyway), then Spring Break 2023 with these points, but now I have other trips planned that keep getting in the way. So, I rushed into this contract and am not even going to be using the points until December 2023. I am just trying to get the contract before the banking period expires though. I have points I need to bank.
I am actually glad I did not go through with the Poly contract I almost bought now, because I would have two sets of points I would need to rent out. I do not look forward to renting out points. We aren't going to WDW again until 2024. By then, the new Poly tower will be on sale and my husband should have another bonus (March 2024).