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Financing - non-Alliant options?
- Thread starter thegangler
- Start date
Any other options? My delivery is set for next month and I know rates are on the rise, but figure it's worth a shot.
JasJ
Member
I've typically found local credit unions to offer the best rates on car loans. We financed our Tesla locally here in the Portland Oregon area for 1.49% in December. Another local credit union is offering 1.79% currently but will also match lower rates.
Got a quote for 1.99 for 60, or 3.09 for 72. Will probably go with Alliant @ 2.49 if that's the best financing through Tesla can do.
I was all set to pick up my car tomorrow and I called Alliant to give them my delivery date, I'd already been approved. And they told me rates went up to 3.24% for 60 months, 3.49% for 72 months and 4.24% for 84 months. Now I have to spend another day or so looking at local CU for better rates.
When I placed the order for my car (Jan 15) Alliant was at 1.74% for 72 months and when I called them last week to get an application in they were at 2.49% for 72 months. I went with a local credit union at 2.24% for 72 months but they let the rate lock stay in place for as long as I need it. My projected delivery date is Mid March.
Yeah CU rates in my area suck, and Alliant came back at 2.74% for 72. These guys gave me a rate of 2.24% for 72 months,
Rates | UNIFY Financial Credit Union
Rates | UNIFY Financial Credit Union
boonedocks
MS LR Blk/Blk 19”
Ordered a 100D last night and received an email from a Tesla finance coordinator today. The people Tesla are going through are offering 1.99 for 72 months 10% or more down through March 31st. Hope my car is delivered by then
ahurst
Member
That's with the "equity discount" - whatever that is. Without it, rates are 0.5% higher.
ahurst
Member
Alliant said today for CPO --
3.24% for 60 & 72 mths, 4.24% for 73-78 mths and 4.24% for 84 mths
3.24% for 60 & 72 mths, 4.24% for 73-78 mths and 4.24% for 84 mths
When does one start financing? My car says late March early April delivery.
No one contacted me.
ahurst
Member
Last minute if you want. Depends on how fast your lender works. Within 30 days of delivery is usual so no pre-approval docs have to be updated.
boonedocks
MS LR Blk/Blk 19”
I was contacted by Tesla less than 24 hours after submitting my order. He did say the approval was good for 30 days so I said I would not unfreeze my credit for the "approval" until I saw something concrete on my order page for delivery
boonedocks
MS LR Blk/Blk 19”
Yes.
Timothy Knox
NA Financial Services | Credit Specialist
3500 Deer Creek Road | Palo Alto, CA 94304
Direct: (510) 946-xxxx
General Line: (650) 681-6789
Timothy Knox
NA Financial Services | Credit Specialist
3500 Deer Creek Road | Palo Alto, CA 94304
Direct: (510) 946-xxxx
General Line: (650) 681-6789
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