If you can put 1/2 down you can get some other financing. Disney will approve you, but you will pay a lot of interest. I was looking at financing about $12,500 through Disney and after I ran the numbers I realized I would pay just over $26,000 over 10 years. I went ahead and paid cash. Besides buying a DVC, this was one of my better financing moves, since August 2006 we have stayed at WDW DVC's twice and going back again in May of '07.