Gosh darn it! Ya mean I am doing this wrong too? Hmmm, I wonder if I should finance with one credit union, to pay off the other for my car.. I'd LOVE to get an SUV too. Hell, if I went broke, I could move into the SUV until I get a bigger credit, to pay off both vehicles.. Phew, thank god someone made us aware of the possibility of living like a queen, or king. :-)