I would say you will need to reject plaid and select certified check in the payment system. Then pay them 2 certified checks. One from the loan company and one from your own bank for the balance. Under the given circumstances, a certified check seems best because that is the only payment system that allows you to "reject" a damaged car after inspection. In all others Tesla has the money before you even inspect it. I found it outrageous on reading people have to "accept" the car in the App to open the car for inside inspection. Others were able to get it opened by SA's.