I might be in your situation on refinance.
I took Y delivery last week with Tesla finance (not with other banks normally tesla does but my case is actual Tesla finance) with 5.34% APR
I applied refinance with tower on Jan 23rd and I got initial approval yesterday at 2.24% (36 months). I traded in ID4 with tesla which has finance with Tower and Tesla paid off the balance to tower three days ago. so don't know if the approval is very fast with Tower since I am already a member with auto loan and i see many members are still waiting a response from tower
Tower is asking to upload
1. registration copy (not yet received from DMV)
2. copy of title (lein holder or applicant) ---> Since we applied loan, title always with Tesla. Don't know how to get a copy from Tesla
3. payoff statement (i generated payoff statement in tesla app but no instructions in the document if the payment will be through other lender. Tesla expecting me to make payment as per App. Tower can only send a physical check to the payoff lein holder)
As per tower, approval is valid for 30 days... now i need to hunt for answers for the above .. anyone can answer for the points "2" and "3" ? please