MY favorite is the tax reward auto loan. I’ve always had them, deducting your car payment (at least the interest portion) takes the sting out of it. I know they have them at sdccu, they probably have them at some other credit unions, and sdccu will convert your regualar auto loan or refi your auto loan so you can deduct it. Same payment, same interest, same terms, but you pay something like $50, one time and they drop a subordinated lien against your house (which technically makes it 2nd on the house), the car is still collateral, the home loan isn’t touched, doesn’t need to be settled in a refi, but technically if you don’t pay your car payment they can take your house.

You could refi your house and pay off your car but then you would be paying for the car for 30 years, this loan keeps it the 3,4, or 5 yr loan that cars usually are. When I learned of these about ten years ago, I was halfway through my car loan and they converted it without extending the loan, the only difference was the tax deduxtion.

The only catch is that you have to own an item of real estate to participate, during my renting years I was so steamed about not deducting my car payment that I paid it off and refused to buy another car. Now that everyone is broke, I don’t need a nice sled to get chicks so I haven’t rejoined the car payment world, but when the time comes, it will be deductable.

I think they have something similar for credit cards too, but basically, you shouldn’t pay any interest on anything that you can’t deduct, you sure as hell can’t earn any interest without paying taxes on it, so it’s fair going the other way.