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Financing Tesla vehicles in Canada

This is still sorta ok.

Once it goes above 5% is when i have reservations.
Yea ikr. I started visiting this forum 35-40 days and watching the rates creep up is baaaad lol. Almost went ahead with changing to MYP but decided against it as I think unlike USA, any changes to order changes the price :(
Debating if I should change my downpayment or not.
Well with prime up yesterday, the banks all announced they will be raising their rates as of today.
So we'll know soon where it will land. I'm thinking at least a 1/2 point or a bit more up.
But Tesla will not raise the interest rates before the end of the month nonetheless, correct? I want to find the right moment to switch from cash to loan for my upcoming M3 (in May) and lick the interest for 30 days.
Has anyone looked into outside financing options? I haven't made any calls yet, but I see that cheaper rates may be available through credit unions. YNCU is advertising rates from 4.09 (or 3.99 with a 0.10% loyalty bonus). Desjardins has 4.2% if you have other products with them, so depending on insurance costs that might work too.

I recall HSBC having had an EV specific loan rate in the past - not sure if any of the major banks still do that.
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