I'm like you in michigan. I got approved from Alliant credit union through tesla. Tesla themselves can't finance in Michigan. Alliant gave me a horrible rate of 4.5% with 780 credit score! I applied in January at Michigan government schools credit union and got under 3.0 for 72 month, it should be cheaper when I take delivery hopefully at the end of march. Have you tried at a local credit union in chesterfield?