I've now traveled to Walt Disney World 5 times in the last 2 years and I live is Texas, so it's not like I'm right down the road, we fly there. 1st trip was the week after thanksgiving almost 2yrs ago. 2nd that following April when I proposed to my now wife. 3rd for our wedding planning visit. 4th to get married down at Disney. And 5th just this last week to get some last use out of our perk of the free annual passes from the wedding and discounted hotel. So obviously you can tell that me and my wife love Disney World. My question is, is it worth it for us to join the Disney Vacation Club? We obviously won't be going to disney twice a year, but once a year could very much be possible. Also if not to Disney we wouldn't mind other places that the vacation club offers obviously. We have no kids, but definitely plan on having a couple in the next few years, so taking kids to Disney will be in our future. I know the vacation club works on a point system based on your home resort. More than likely we'd be looking at a moderate resort like Saratoga Springs or Caribbean Beach resorts. Also we'd probably look for a resale as well rather than a straight up purchase from Disney. We have average credit. Not bad but not great, I'm sure an interest rate of around 9% is what I'd hear it would be around. My question is about how much would it cost my monthly to finance the initial loan and points for a week long stay at a moderate resort offseason with average credit? Just a ballpark. Just so I have an idea of price. I've read people say if you have to finance the initial payment then the DVC isn't for you, but it don't agree, I spend a lot of money at disney and am pretty sure the DVC will be cheaper than the amount I've been spending there yearly. I'd just rather it be monthly than a huge fee like I have to do now. Thanks in advance for any Insite.