Not that I've been an owner for long, but what I've done is purchase a disney gift card. Every month I use my disney visa to add $100 (give or take) to the balance on the gift card. When it's time to pay the dues , not only have I earned my points on my rewards card, but I also don't feel the pinch on my wallet as much because I've taken the money out little by little over the year. Then, I pay for the dues with my gift card. Sorry, but I don't know anything about the loan.