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Financing - Tesla Vs Third Party? Is it complicated?

Hey everyone,

I have my RWD car on order from 9/1/22, and my current EDD is November 8 through Dec 13. Given that current APR is 4.7%, and I expect interest rates to keep going up, should I apply now and go against the wait for the VIN argument? Or hold off still?

Would changing from cash to finance and applying now effect my EDD negatively?

I’m concerned rates are going to sky rocket and I won’t have a rate locked in. Credit is high 700s with Experian, Equifax and Transunion. Pulled it today directly from them. Thanks so much!


M3RWD - MSM/BLK/OD:03/22/Picked up 10/31/2022
Feb 11, 2022
Southern CA
Applied loan today for my M3RWD in loca credit union - Orange county’s credit union. 3.49% 60 mos with auto payment. They said they have 2.99% 48 mos too.
Tesla SA told me on the phone yesterday, as of 10/19, tesla rare is 4.79% 60 mos.

It was very easy and fast to complete the loan application. I was told it will take 2-3 days to get the result. However, just about I thought we were done, and the bank person said my loan application was approved.
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