well I am not a home owner so I could not go this route, but many people suggest you use the equity in your home for a loan and get a better rate. You could also try personal loan from your bank. I looked into this but my bank would not do a loan against the
DVC points as collateral so I would have had to get an unsecured loan and those would have been around the same rates from DVD.
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Also there is no penalty for pre payment so you can always pay off faster and save on interest.
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Hope that helps,
Mike
