The Model S configurator currently uses 1.99% to estimate monthly payments. While the screenshots posted in this thread show that the Model 3 configurator uses 2.74%. I was expecting to be able to get the same financing rate on the Model 3 as the Model S, but it looks like the offer for the Model 3 is 0.75% higher. I wonder why that's the case. From the lender's perspective, wouldn't a smaller loan be less risky?