Thank you for your kind and detailed sharing. I was curious when you shared in your earlier post that "Tesla ran your credit again", did you refer to that you "did not accept/reject" their first offer then re-apply through Tesla app again? ThanksTesla will run your credit with different banks and will offer you whatever the best loan offer is. I did accept their loan offer I got even though it was a higher interest rate. I will refinance with my local Credit Union as they offer 2.49%.. I'm not going with them for the original loan as virtually no dealers accept their way of handling the process.. They need to see the title transfer to their name before handing over the check..