We purchased while on a cruise, we went through the financing offered by Disney with the intention of paying off the amount when we returned to Canada. The interest rate being offered by Disney is too much, if you calculate the amount you would end up paying in the long run, you wouldn't buy.
Once our loan was set up on the DVC site we paid the loan with our credit card to get Avion points, then paid off the credit card before there were interest charges.
good luck with your purchase, we are happy we took the plunge
This is what we did as well. Set up financing with Disney onboard. Came home and paid it off online with our credit card to get reward points. Used a combination of cash and credit line to pay off the credit card. Had I taken our credit cards with us, I would have skipped the Disney financing altogether.
