Hi, I may order model X today or tomorrow. I am not sure when I should prepare the auto loan? Probably not needed until the delivery of the vehicle but not sure. Another question is what is the best loan rate and where I can get the best one? My quick check up was around 3~3.5%. But I heard there are some federal unions offer better rate for EV. I am considering $40K or $50 for 5 or 6 years. I think the interest has already gone up recently and will go up sooner or later.