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Bank Loan with best APR

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Living in Michigan Tesla will not allow me to use them to apply for a loan

With that being said has anyone found a good APR from a Bank In Person or Online Institute

I'm with Chase and it looks from what I can see they are in the network for Tesla and I can get around 3.19% but they also have a option for a discount of 0.25%... Only assume that is for already members of the bank with a checking/savings account which I am..

I'd like to grab a 72/84 month term lowest payments as possible with a Model 3 Standard

Thank you
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