Purchasing/financing direct after default.

[WDWLayla]

I suppose the title explains it. We purchased direct in 2013, and fate is fickle and we ended up divorcing in 2014. I ended up having to default on my dvc then, as financials were separated and hardships ensued.
Since then, I’ve been on my own, and I’ve been itching to buy dvc direct. I have a small resale contract which is paid off, but I’m curious what Disney’s stance is on defaults trying to purchase direct. Are those who went thru unexpected issues banned from future financing?

Thanks for the FYI and leave the judgment at the door.

 

[3 DD love princesses]

Are you able to do your own financing? You can buy direct and use credit cards and your own personal loan I thought.

 

[sethschroeder]

Things are different now because of COVID19. I would just call them and ask.

That being said are you going enough to use the AP benefit?

You will just find most people on here saying not to finance except in the case of getting 0% finance or paying it off very quickly. There is no judgement but most on this forum are strong proponents for paying cash. If you have a small contract another thing you could do is smaller purchases of direct points instead of doing it all at once. This would keep the loan lower allow you to pay it off quickly and then purchase more direct points.