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I have a long term loan and have put 7500 miles on my model 3 since purchase at the end of October '22. My lender doesn't offer it, and my insurance company doesn't either (state farm).
it Is crazy that 10% down with 4 years term and 25% gap from insurance company I might be slightly upside down or barely break even after 10 months. I guess the extra equity when I traded in the old car last year might be needed if something happened.