Fortunately I'm not looking for a good place to get a loan, but I do have some questions about financing provided through Tesla. My Model 3 order is coming up faster than I expected and I'm trying to figure out how much money I'll need to extract from my hours of saved paid slave labor time (/s) in order to walk away this beauty. My build is $50,500. I've already provided them $3,500 for the promise ring. Base price $47000 atm. I live in CA, in San Jose, and we looooove taxes. I'm at ~$5,650 in taxes and registration fees. Some say...Tesla charges $1000 to process the papers. I have nobody to solidly confirm or deny this accusation. I should be eligible for both the $7500 tax break from feds and $2500 from CA (taxes are weird, i pay you, you pay me, why make it all complicated?). Trying to confirm: 1. If I finance through the Tesla mandated financing company I cannot include my taxes and fees into the loan. Taxes and fees must be paid for at the time of purchase. 100% percent only, no 125% shenanigans. 2. Tesla's financing company does not always maintain a down payment of 10% if your credit is good. Possibly even no down payment on Tesla loan. 3. Tesla's selected financing company does not have some weird mechanism of absorbing tax incentives into monthly payment. Both tax breaks would not be received until the next year of tax filing/returns. 4. The $1000 paper processing fee is due on the day of purchase. Or, it's non-existent. Don't worry, I'm also planning to talk to my bank tomorrow to get some non-internet advice. But I figured some of you might have some purchasing experience specific to Tesla.