Most schools accept interviews, and furthermore acceptance, based on a rolling admissions process. Applying this cycle, this late, will give you some pre-dec interviews this cycle (with good stats) and some post december interviews depending on the school. If you have the money, apply this cycle to save you time and debt should you get accepted, otherwise, save a year, do more volunteer work, apply to post bacc programs where you ta or do research and get stipends, and better your application for next cycle. All depends on the caliber of your application.