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Some people had luck just emailing [email protected] and flat out asking if they could get a lower rate. I did try this today and was unsuccessful. They ran against Chase and got me 2.49%, which matched my US Bank 2.49%
I ordered on 8/8. My Tesla rep also informed me that I had to complete the financing section, including a credit check. I expressed my concern of possibly needing to do two hard checks, but he was confident that I'd have my Model Y before the check expired. Lets hope he was right!