@Radar-9 At this time, USAA is not offering cash out options. You will be able to submit an application to refinance your balance and take advantage of current rates. I also want to let you know, USAA does not offer loans for the purchase of a lawn tractor, however, USAA does offer Unsecured loans. Our maximum lendable amount for Unsecured loans is $20,000. If you choose to apply for an Unsecured loan, you may do so online at anytime. Simply go to Products, then choose Personal Loans to begin your loan application. I do hope you have found this information to be helpful. Have a great day and stay safe and healthy!