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Just found out this forum..
I am too excited to purchase the car and accept the rate Tesla offer 2.49%
Now I found that we can email and ask to lower the rate if we found one.
I have already transferred down payment but did not sigN the loan agreement yet.
Can I still negotiate the offer?
Just curious here: when you folks email [email protected], what sort of information do you include in order to get a quote?
I think so. It's not a done deal so rates can still be changed. Worth a try. Also, if you find a better rate at a different bank, you can apply for a rate match: Best Rate Guarantee
Thanks for the info!You should select Tesla Financing in your account. They should give an initial offer based on your credit and application. Then, you would email autofinance for improved terms.
Just curious here: when you folks email [email protected], what sort of information do you include in order to get a quote?
You don't need to write anything complicated. This was my email:
Tesla Finance:
Please review the current finance offer for 72-mo financing at 2.49% with US Bank and check rates against Chase. I am aware of very recent Chase offers of 2.19% and 2.24% as well as Digital Federal Credit Union offer of 2.24%. With a current FICO of X, annual income > $Y and a downpayment > 20%, I would expect to qualify for any of these offers.
Thank you kindly.
I'm a bit disappointed. Initial interest rate came back at 3.49%, 72 months. When I asked 'why?' I was told it was due to "no previous auto loan history". Seriously? Is this likely to be an issue with most lenders?
The new offer is 2.99% from TD bank. Still seems pretty high compared to numbers I am seeing here.
Credit history most certainly matters when lending money. If you have no credit history, then, I think, a rate of 2.99% is a great rate.
It's not that I don't have a credit history, I just haven't had a car loan in the past 20+ years. Credit score is excellent.