Haha after all was said and done I went with 35% today. With being NYS, the dumb laws, and all the driving I do, I felt like 35 was a sweet spot to look dark but not TOO dark.
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Well, I think I decided on going with Affinity Credit Union. Just started the loan application process and its pending. Crossing my fingers I get the lowest rate. I checked my score and I'm 770+ everywhere I look so I would think that is good enough for them.
I am going for the 84 months at 2.86%, 72 at 2.61% just doesn't make sense to add almost $100/m for another year. My plan is to make more than the monthly and put it toward principal when I can so I can get it paid off in 4/5 years but take advantage of the lower payments when needed.
I have an appointment with my local Subaru shop (came from getting an offer off of KBB's website) and I will see what they say for trade in value. If its more than what they said and I don't have to mess with trying to sell it outright, its being sold right there lol. If not, its going on Facebook for 7K and see what I can get out of it.
Does anyone know if the $$ you request in the loan app is what they have to send? Or can you say, don't send that much I have XX extra now.
When filling out the app I did the total cost of the car minus the taxes. I have that in the bank right now, but I am not sure what I am going to get out of my car, so it could be 4-7K. If not I will just drop that down on it initially and put it toward the principal. But the lower payment amount from the 4-7K would be nice.
I thought those rates of Affinity were as of April - maybe they haven't increased the rates yet. I think you can do a lot better with the 7k from the Sabaru sale - if you can borrow money at 3% APR, take it.
California's is even higher ...
7BaconTacos
Member
Yeah they havent went up or went up only slightly since I started looking at them. So ima grab that if they approve me.
Rates and Yields as of 06/09/2022
Affinity Federal Credit Union
Affinity Federal Credit Union, headquartered in New Jersey, is a member-owned, not-for-profit, financial institution with branches located in NJ, NY, and CT.
www.affinityfcu.com
shodnett
Member
Is it common to go a while before seeing a change in the EDD? I'm two months in without seeing any change.
Mine haven’t changed since order, which was around month ago
Im wonderinh the same thing..its been two months since i ordered and it was rwd then changed to awd on 06/06 and still no edd change..still says 08/07-09/18 for me
shodnett
Member
Does it have to do with location? I live in Washington state, and people ordered after me got EDD earlier than mine
gators918
Member
Welcome to the Tesla family! I ordered in May too with an EDD Sept/Oct. so I have a ways to go. This is an awesome site as I'm learning so much about the M3 and this unique ordering process. It's funny how I find myself getting excited for others when they get their VIN's and finally their vehicles. The wait time is real, the dates bounce back and forth like a ping pong ball, so be patient.
Glad I found such a supportive group of friends!
shodnett
Member
kevz
Member
I just changed my configuration to Performance a few minutes ago (6/9 @ 9pm pst)! Let's see how this affect my EDD. Currently sitting at Aug 8 - Sep 19. I shall keep y'all updated!
DamienSteele
Member
I got a text at 805p on the 9th to schedule my pick up. I was given three options. 06/16 - 06/18 so it was basically the last EDD i received of 06/12 - 06/16 and on par with the last update from my SA saying car should arrive on the 14th. You hear anything back yet?
MSM_M3LR
Member
EDD updated today from 10/26 - 1/21 to 9/6 - 10/18
ChrgeMeUp
Member
ChrgeMeUp
Member
Got the cool headlights… Got the cool tires… came with 3 miles on odometer. Only about 68% charge. Pretty cool. Thanks everyone for several months of support and camaraderie.
BaconLord47
Member
Oh wow! In CA we can go as dark as we want for all back windows, but front three are limited to 70%
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