A home equity loan is the best vehicle if you own a house with enough equity available. If not, there are some low interest credit cards available, but the interest on them is NOT tax-deductible. Most local lenders are NOT interested in underwriting timeshares, but it wouldn't hurt to talk to your bank .
There are basically no options for refinancing other than a home equity or similar and if you could find something, it would be 12-13% which would not save you anything. Some have floated the no interest credit cards but I see this as risky.