Howdy, Richard!
You're in luck! Advanced Dining Reservations can be made even if your Disney vacation has not been paid in full.
Advanced Dining Reservation can be made 180 days in advance. Also, dining reservations are open to guests who are NOT staying at a Walt Disney World Resort. So, if you know of a restaurant that you would like dine, go ahead and make that reservation now if the date is within the 180-day mark.
The most popular restaurants usually book up fast, so go ahead and make those dining selections now. If for some reason your Disney plans change, you can cancel your reservation for no charge. Just be sure to cancel more than 24 hours in advance of the reservation date and time, so that you aren't charged a "no show" fee.
Bon appetit', Richard! If you have more dining questions, please stop by and see us again!
Korliss