When you get a VIN, the financing and trade-in options start getting opened back up. Once this is all done, you will get a MVPA which is equivalent to a Buyer's Order / Bill of Sale. This is what your loan provider will need and typically it happens a few days to a week before delivery. So yes, you do not have a lot of time to finalize everything. I started shopping around when I received my VIN and picked the credit union I was planning to go with.
When you do a trade-in, sometimes it requires someone higher up in Tesla to approve your trade-in. I did mine during a holiday weekend and it caused my MVPA to not get generated until the Thursday or so before my Monday delivery. Typically Credit Unions will only need a day or so to process your loan and send the check out.
If you are 3-4 business days out from delivery and still haven't gotten an MVPA, contact your SA via email or stop by the store. Just kindly ask when the MVPA will be generated because you may need to delay delivery by a day or two since you still can't finalize your loan. I hope this helps you or any future reader, because I was stressed waiting for them to send me an MVPA when it turns out it was just a holiday hiccup.
