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