If it's Wells Fargo, you can bet it's true. The worst bank in the world. Their service is horrendous.
Try to refinance at DCU for 2.74% and 0.25 off for owning an EV.
Much better product and less hassle, although getting the membership was a bit tricky and took several weeks and multiple uploads to include my shoe size (well, just about). They asked for paper copies of my electric bill, etc. to verify my address. Who gets paper bills in 2022? Make sure the credit card you use to make a deposit uses your home address (mine is sent to the office and it was a mess). Also, they do not accept deposits from PNC Bank.
The loan has been approved, hopefully at the rate at the time I applied. (2.49% - 0.25% discount for EV = 1.99%.
Now, I just need to figure out how to get the check made out to Tesla to me before the vehicle is delivered next week.
BUYER BEWARE: Once your vehicle arrives at the dealer, you have three days to pick it up or it will be passed on to the next person waiting for a like vehicle.
I commented this is my 7th Tesla, give me a break. The answer was, "So!". I have only waited for the vehicle since Nov 21 with multiple EDD dates, but if you are not jolly on the spot when it comes in, it's Bye-Bye American Pie. How rude!