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Let's talk financing rates
- Thread starter flashflooder
- Start date
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- Model 3
How did you get them to match? Did you meet the membership requirements of PAFCU?
Super good credit around 800 with a medium amount of assets. I was really happy to get the Unsecured loan.
Happy for you man! Curious, what was your specific process? Did you apply for any loan at lightstream and then get approved; then applied at some other CU with a lower APR and get approved there; then... send a rate beat with all the necessary info to Lightstream? @BlackM3
ProphetM
Member
I wish Allegacy was more communicative. I sent more requested docs today, hopefully that will be all and It'll be finished and ready to send me a check in the morning. I'm supposed to be picking up my car on Saturday so I'm getting nervous. I did tell them this, more than once. It doesn't help that Tesla is being slow, too. I only got a final purchase agreement to (digitally) sign on Tuesday afternoon.
Yes that's exactly what happened. Applied online at Lightstream first, preapproved for unsecured loan. Then applied online for secured loan at credit union for same loan amount, and asked for preapproval letter. Lightstream beat the rate listed on preapproval letter, and Lightstream loan is still unsecured.
if anything, how did you manage to get the CU you used to put all the necessary information in the pre-approval letter? so that Lightstream could rate beat
I applied at 3 credit unions for preapproval. i requested preapproval letters from all 3 that included the rate and terms, only 1 credit union agreed and wrote up the letter with that info. It wasn't the lowest rate but it was pretty low at 2.49% for 60 months, so I got 2.39% for 60 months at LightStream now and I'm really happy to be ready to pick up the Model 3 soon, it's such a fun car to drive.
Another option for those in LA , LA Financial is 1.99% for 60 months so going with LightStream got me 1.89% and save a few bucks a month, I was actually going to go with LA Financial as they have a brick and mortar location close by in Pasadena, but when my VIN got reassigned and delivery got cancelled , I used that hiccup to go back to LightStream and save alittle over $100 bucks for the next 60 months
stayfocus18
Member
anyone that used allegacy knows how they pay tesla? My delivery is tomorrow and they have the mvpa and everything but wasnt informed about how they would pay tesla.
ProphetM
Member
In my case they are overnighting a check to the store where I will be taking delivery. It should be arriving Friday, the day before I pick up.
stayfocus18
Member
stayfocus18
Member
Took delivery today car was overall in great shape... just a minor scratch on the back bumper and the center console had scratches.
voip-ninja
Give me some sugar baby
Scratches on the center console and bumper is incongruent with "great shape".
I've taken delivery of many new cars, and none have been scratched up at delivery.
stayfocus18
Member
I hear ya... but from some of the nightmare stuff I've read on this forum I'm considering this a win.
I secured 0.75% on 36 month loan thru Fairwinds Credit Union in Orlando FL. You must live in a Central Florida county, or attend UCF to be a member. That rate also require autopay, otherwise 0.89% for 36 months. Applied & approved on-line, stopped in to sign some paperwork on the way to my test drive at Orlando Tesla.
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