Kinda surprised this thread isn't seeing much life. Maybe I'm just in one of the few states where tesla does not offer its own lending program? Anyway, I would add one more interesting option, for those with excellent credit, Lghtstream.com offers loans that are actually unsecured. Rates are not at the rock bottom versus the 1.99% above but appear to offer two advantages: 1) having an unsecured loan which means a little easier on the back end if you sell, as title will be free and clear, plus 2) they offer a best-rate guarantee, so taking a 1.99% offer from Alliant or one of the other rock bottom credit union rates to them, they will drop it by another 0.1% if you are approved. I think I will give this a try, as my previous experience selling my Model S included some headaches getting the lender to process the loan release paperwork in a timely fashion so I'm attracted to the idea of having the loan unsecured while still getting low auto-loan like interest rates.