My husband and I bought a used 2017 Legacy Elite II (Hull 166) in June of 2018 for 60k. It is loaded. It was and "is" still in excellent condition. I called USAA today to see if I could get a better interest rate since we have made a full year of payments. Since our Ollies are not in the NADA, I had to go over with the fiance person all the upgrades on our Ollie, and then she would find something comparable in NADA to add to the used price of $47,000. After all was said and done, we were able to get the value up a little over $62,000. So we are refinancing to get that lower interest rate. It wasn't a rate I wanted -- I STILL wanted a lower one, but it is better. I will try a couple of other avenues to see if we can find a better refinance rate, but I know it is slim pickings out there. I just got on here tonight to search FINANCING to see what I could find. I saw this post about people wishing sellers would put what their used units really sold for, so I thought I'd post our story. We were the buyers, and we feel we came out well, and our Ollie is still worth more than what we paid for it a year ago; so we are happy to hear that!!