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If you need to finance a timeshare then don't buy it. A timeshare is an expensive luxury . It's a vacation in the future . There is a good chance your life will change over the years and the expense of the timeshare might become a burden and you will find it nearly impossible to rid yourself of the financial obligation . My advice would be to rent from someone rather than purchase on your own. Thais way you can enjoy the use of the timeshare without committing yourself to a lifetime of ever increasing maintenance fees.