I'll have to chime in also.... I did not find any lenders for my small amout for my 150; however my bank was willing to go an equity line. The home equity is the way to go if you have equity in your home. I now have my pickup paid, bills paid off, plane free and clear and the monthly payment is $100 less than my truck payment used to be. Just for 15 yrs instead of 5. And as mentioned above the interest you pay is tax deductible. Interest rate is less that the other loans also.