Just refinanced my 2009 X unlimited today. The credit union financed 100% of clean retail. Going to be paying $100 less a month.

 

I like your thinking ECHO. I wonder if the wife will go for that!

 

What is the going interest rate in that part of the country?

 

incidently i also stoped into my bank today to talk refinancing.

untill my credit report comes up they believe that i can save 75 a month and knock a whole year off

 

I refinanced my Rubicon before even making the first payment. The dealer gave me 5.19% which was ok. We had been trying to go through the credit union that has our RV loan, but it ended up being a lot of hassle. When the loan officer heard we weren't going to bother he gave us 4.5% and a $50 bonus to the main acct.

 

I just purchased our unlimited on an home equity loan at 3% plus I get to deduct the interest.

 

That is how many vehicles got financed during the housing bubble the last decade.

You are lucky to be one of the few fortunate enough to still have enough equity.

 

All these sound great...I got 0% for 72 months on mine! This is the first vehicle where I have not tried to pay back loan early...this is like using other people's money for free!

 

You aren't kidding. I'm nervous as hell right now, because I'm re-entering the Air Force from the Air National Guard and could be facing a forced PCS (change of station). When your house is -20000, what the hell are you supposed to do?

Life would be a lot easier with positive equity.

 

Members of the Armed Forces permanently reassigned during the mortgage crisis
Military Personnel Only

1. Permanent reassignment to a new duty station or home port outside a 50-mile radius of the member's former duty station or home port.

2. Reassignment ordered between 1 February 2006 and 30 September 2010.

3. Property purchased (or contract to purchase signed) before 1 July 2006.

4. Property was the primary residence of the owner

5. Owner has not previously received these benefit payments.

6. If you are a member of the Armed Forces who is PCSing or has PCSed, download the application packet and complete the application. Carefully read all instructions, and mail your completed application to the USACE district responsible for the area in which your home is. Once DoD implementing guidance is received the district will contact you concerning your eligibility and benefits.

Red text reflects recent changes in PCS interim rule.

I am putting spaces in the web address otherwise the system will block the link...

h t t p : / / h a p . u s a c e . a r m y . m i l / E P _ P C S . h t m l