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  1. C

    Credit Unions with good rates that accept applicants anywhere within the US?

    I refinanced with Tower from Tesla finance where I was at 5.34%. My loan started at Tower and Tower sent check to Tesla and I am still seeing payment not posted in Tesla (still showing balance at Tesla). For sure Tesla must have received check last week from Tower. Tesla finance did mentioned...
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    SR/SR+ (Model 3 RWD) Waiting Room

    Anyone noticed another $500 price drop ? now $42990 i just took on saturday with price of 43490 man.....
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    SR/SR+ (Model 3 RWD) Waiting Room

    today took delivery model 3 RWD white and black interior 18 inch tires and it is from freemont looks like tesla is not manufacturing with matrix lights and i asked delivery agent and he told me eventually every car will be retrofit with matrix lights and a software will be released to take the...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    folks who applied at tower, and waiting for your loan to approved (issuing a check) do these things (assuming, you became member, applied auto loan, a loan application number is issued, and all the documentation is uploaded) 1. call Tower member services and find out your loan processor 4 digit...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    My refinance is completed from Tower. It took me 15 days. Day before yesterday Tower might have sent the check to Tesla finance I got the finance through Tesla Finance (Yes. Tesla finance and not other banks) and I was able to generate the payoff statement in the Tesla App. I still sent email...
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    SR/SR+ (Model 3 RWD) Waiting Room

    Dropped $500 and increased destination fees from 1200 to 1390 for new orders Atleast for me showing the price drop and destination fees at 1200 . I got new MVP last night with the drop price (500) and still at 1200 destination fees
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    Credit Unions with good rates that accept applicants anywhere within the US?

    I think it is instant. Once approved your App does show all the information. I do think there could be some down payment. In my case, i got approved by US Bank (I applied through Tesla) at 5.99% APR. One day before delivery, Tesla finance (actual Tesla finance) matched at 5.34% APR and updated...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    Thanks. Purchase order agreement means MPV right ? I also see loan copy in my account. probably I will upload both of them including payoff statement and temp registration
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    Discussion: Model 3 and Y price drop Jan 2023 / April 2023 / Oct 2023 and All other Pricing Speculation going forward

    Does Tesla charge the extra $500 when taking the delivery (yesterday there was a $500 increase of price) ?
  10. C

    Credit Unions with good rates that accept applicants anywhere within the US?

    I might be in your situation on refinance. I took Y delivery last week with Tesla finance (not with other banks normally tesla does but my case is actual Tesla finance) with 5.34% APR I applied refinance with tower on Jan 23rd and I got initial approval yesterday at 2.24% (36 months). I traded...
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    Is there anyway to force ONLY off-peak charging?

    i do have my own charging station by chargepoint where I can set schedule where charging station can allow only during the times i set . based on some previous post, looks like Tesla go into sleeping mode if it doesn't see electricity coming through the charging station. does octopus tries to...
  12. C

    Is there anyway to force ONLY off-peak charging?

    Got my 2023 Y LR am playing around tesla charging. Here is my desired situation : 1. Maintain SOC at 70% 2. My departure time is 8am every day I would like to achieve these things 1. cabin preheat 2. battery precondition (i live in NC and not too cold but night temperatures are normally below...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    i dont think GAP is mandatory. I think tower mandates that you need to maintain minimum $500 deductibles in your insurance. GAP protection is something for different reasons
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    Unbiased 2-month review of 2022 Model Y

    driving 2023 MY LR (19 inch wheels) from last 4 days and it is my first tesla 1.. i feel very noise cabin. coming from almost year on Ioniq 5 and couple of months on ID4 (trade in ID4 to get tesla) and the last 15+ years driving quite cabin cars. Y reminds me my early 2000 honda accord on road...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    my experience with Tower was, with in seven days you should be OK provided you already approved and submitting POA, MPV , Insurance Copy (all these need VIN). Tower send you check overnight provided they close the loan process before 3pm on that day. on the closing day, tower call you and go...
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    tesla finance automatically adjusts the loan amount. your trade in will have range as estimate and final offer will be posted in the app for you to accept or reject. Also tesla finance may also include some default down payment. these adjustments do occur til delivery date . your app does show...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    tower takes good 10 business days for them to process (all the way applying for auto loan and cheque delivery) provided some where around 5th or 6th business day where you must submit those documents. Tower is little old school type and will not mail a cheque to you with your name on it to give...
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    Ordered Model Y LR, Delivery est 2/9-3/9: Matrix? 4680?

    I think currently 4680 is offered in new line called Y AWD with range of 269miles. Currently they are built only in Austin and occasionally those are popping in some zip codes and price is 52990 (for white and black interior)
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    Credit Unions with good rates that accept applicants anywhere within the US?

    that is correct. in order to get tower finance, you must maintain insurance deductible not more than $500. so you need to provide insurance copy (for that you need VIN number) and POA (power of attorney to have the title returned to them in case from your DMV because title delays/lost etc
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    Credit Unions with good rates that accept applicants anywhere within the US?

    I think tower use transunion ( this was in september) and i had credit lock on all three credit agencies and tower posted the secured message. So i unlocked transunion for a day and replied back on the secured message . Once i got email from transuinion that tower had a hardpull, i let the...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    looks like tower is swamped by tons of applications.... :) i don't think they expected like these... blame on Musk :) tower FCU is very slow (dead slow compare to any other big name bank) and patience .... but rates are very attractive and really Tower fcu is a good credit union in Maryland
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    Credit Unions with good rates that accept applicants anywhere within the US?

    No. Normally any regular bank doesnt dictates those terms... but many car dealers who does the financing to unknown lenders will have these terms like prepayment penalties
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    check in the web browser. once you log into web, goto manage your reservation (your car icon), bottom on the right hand side.. normally you should see there.. I was searching similar few days ago and I found there.. normally if VIN is assigned, then you should see the document
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    Hot Spot FROM the Premium Connectivity Package

    I took Y LR around 10.30am and i got the email around 11am about premium connectivity trial period for month I can see my profile in Tesla dashboard but I dont see navigation showing live traffic or satellite view do i need to subscribe even in trial period ? suggestions please....
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    North Carolina has some advantages 1. we pay only 3% sales tax on the Price of the vehicle (if it involves a trade in car, then 3% is applied on the balance only) 2. NC use a method called "property value of the car and normally it goes to the county when trade in the car to buy new car, there...
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    one more thing... many people think famous detroit friends behind the EV bill. With the price cut by tesla and now for sure detroit freinds are rattled and will find some way to stop the rampage done Tesla... so something going to happen pretty soon... :)
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    Most of the US Govt rules are applicable 6month waiting period (starting 1st day end of the 6 month) or next Jan 1st or when bill say a month it normally 1st day of the month... if bill says March, we should probably assume it will be on March 1st. very few exceptions on the above... recent EV...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    POA is power of attorney. I think for them to grant access to your title transferred correctly.....something like that. It was first time I heard about it when doing finance through tower fcu .. you will get esign document i think and you need signatures
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    Any austin build car, if not performance car, then LR comes with old lights. Confirmed by delivery rep today when i saw my LR without matrix lights
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    Not good actually.. vehicle is fine and atleast i didnt find issues.. i will look into more detail at home Real issue was, i was trading ID4 and expecting my custom plate transferred and also it will minimize the registration fees. Once i am at tesla, delivery rep told me that the plate needs to...
  31. C

    Credit Unions with good rates that accept applicants anywhere within the US?

    If you can upload POA, MPV, insurance information before tuesday, then tower can send the cheque overnight. It will be close but you might wait til tuesday before you ask tesla to finance. Anyways tesla need a day at the most. I had experience with tower and they are slow but once they start...
  32. C

    Is there anyway to force ONLY off-peak charging?

    Thanks. Just got the tesla Y LR in my hand. I will play around with chargepoint flex and tesla scheduling. Luckily Y and I5 both accept ~12kwh and my evse hardwired with 60amp and i am good here.. Currently i dont need to schedule charging as such but i would like to know how it can be acheived...
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    Credit Unions with good rates that accept applicants anywhere within the US?

    I do see issue from another post regarding Tesla finance. I am going with Tesla finance (not any bank but directly tesla finance and tesla changed from US bank to Tesla finance last night) at 5.34% APR for today delivery. is it easy to refinance from Tesla finance ? I do see people have reported...
  34. C

    Credit Unions with good rates that accept applicants anywhere within the US?

    i financed my ID4 through tower and took close to 10 days. tower still runs on lot of paper and process literally stops on weekends.pls be prepared to upload lot of documentation and insist on insurance copy showing them as loss of payee before they release the cheque.so technically you may end...
  35. C

    Ioniq 5 vs Model Y

    I already know.. lot of my freinds have Y and we felt more comfort in I5 than Y especially rear seat. Somehow i felt Y little cramp (u shape around door sides) with three adults in the rear and I5 is uniform and comfortable at rear. Sitting position and leg space is also good in I5. This is my...
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    I am taking Y LR tomorrow. Ordered on 1/13 and VIN got assigned instantly. Trading ID4 with still loan on it and took 5 days to get all things cleared. I applied loan through tesla and got approved by US bank at 5.99 apr and same rate irrespective 48/60/72. I accepted 48 months and rest of the...
  37. C

    Ioniq 5 vs Model Y

    when i am looking for an EV, my first choice was Y and I couldn't get it because of wait times. I jumped on to Ioniq 5 AWD limited trim and surprisingly I changed my second gas car as well to ID4 (pro S RWD). once Y price dropped like bomb explosion I jumped on it by putting trade in my ID4 (the...
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    Is there anyway to force ONLY off-peak charging?

    thanks.. i will play around As matter of fact, EV scheduling is one nut crack. I have Ioniq 5 and ID4 and both are in similar state and I couldn't able to get what I want. I was somehow thought Tesla will be in better situation and looks like Tesla is in same boat.. oh boy :) I normally dont...
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    Is there anyway to force ONLY off-peak charging?

    Gone through most of the posts. looks to me Tesla might begin the charging as soon as for whatever reasons (80% charging limits, departure time etc..) taking my first tesla Model Y LR after trade in the ID4 tomorrow I do have charge point flex (hardwired 60A) where I can program where any...
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    does anyone changed the trade in from one car to another car after tesla gave the trade in offer on the first car ? I would like to see if my other car can get better rate and if not would like to switch back to first car. I dont want to loose the first car trade in value when doing the flip
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    Wiki Teslike Model Y Survey & Order Tracker Spreadsheet

    I have credit monitoring. All 3 credit reporting agencies showed me that only one lender (US Bank) hit as one hard enquiry I don't think Tesla doing shop around.. At the same time i don't know the process to tell tesla to shop around
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    Wiki Teslike Model Y Survey & Order Tracker Spreadsheet

    I tried many options to reach out SA and no luck. I chosen delivery tomorrow... Lot of questions on my trade in. I got automated call from Tesla about my delivery and option 3 was to speak with advisor and got immediate message like "a advisor will reach you shortly". it is more than 5 hours at...
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    Discussion: Model Y General Waiting room for orders placed After January 2023

    my Y order was confirmed and vin assigned. applied tesla finance and got approved with US bank at 5.99 apr does tesla allows multiple loan options ? or how can i request tesla to shop around ? i got good credit and i assume i can get better rate than 5.99 also i am doing trade in. i entered all...
  44. C

    Wiki Teslike Model Y Survey & Order Tracker Spreadsheet

    my order was confirmed and vin assigned. applied tesla finance and got approved with US bank at 5.99 apr does tesla allows multiple loan options ? or how can i request tesla to shop around ? i got good credit and i assume i can get better rate than 5.99
  45. C

    SR/SR+ (Model 3 RWD) Waiting Room

    I got text "schedule your Model 3" txt. I will be traveling to overseas this weekend and return on Dec 15th. is there a way to move the date to Dec last week ? what is the process ? Any phone number I can reach Tesla to discuss the options ?
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    Discussion : All discussion regarding Model 3 and Tax credit in model 3 subforum

    i doubt any vehicle will qualify the ev credit unless IRS/administration do some changes... may be delaying the battery requirements. At this point ford or GM or tesla or VW ID4 qualify under "made in america" and they are atleast 2years away to match the other 2 portions of the law. probably GM...
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    SR/SR+ (Model 3 RWD) Waiting Room

    i am not a marketing person.. i saw couple of forum members were asking interest rates... so i thought of post that information here.. thats all
  48. C

    SR/SR+ (Model 3 RWD) Waiting Room

    Tower Federal Credit Union is offering very low rates .. as low as 1.49% for 36 months (please read how to get it to 1.49% instead of 1.74%) Other terms also very low rates compare to many lenders and especially with the latest fed rate increase To become member, you can pay $35 towards Tower...