I just had the weirdest experience with Tesla Lending/Alliant, so I wanted to share with you guys to see if this is normal. My tesla is scheduled to arrive in a couple of weeks, so I applied for a loan through Tesla Lending. A few hours later, I received an email from Tesla, presenting me a loan offer from Alliant. The weird thing about this offer is that "**Final Approval Requirements**" says "None". Then I called the credit specialist at Tesla to ask what this means. He confirmed that basically I don't need to present any proof of income, or any documents whatsoever. He also said that some applicants need to present further documents but some don't. However, he sounded like it's more common when no further documents are needed. If he were right, I'd expect a lot of you to have similar experiences. Could you please verify that? My understanding of the auto loan underwriting is that the debt-to-income (DTI) ratio is not to exceed 40%. What if I have 3 other mortgages and I can only borrow up to $20,000? Here, Alliant is giving me an offer to fund up to 90% of the configuration price. Another thing that is weird is that there doesn't seem to be any credit inquiry. I have several credit monitoring services through either some of my credit cards or credit karma. Usually, they are very quick on updating any hard inquiry on the day/next day of the inquiry. For example, I've had two mortgage inquiries in the past and I would be able to see the notification from these monitoring sites telling me about the hard pull, almost immediately. However, it's been a few days since I applied through Tesla Lending and got approved for this loan from Alliant. I still don't see any credit pull. I suspect that they didn't even check my credit before giving me this loan. Does that sound normal?