I doubt your bank will let you restate your car loan with the $12K FSD package added. So, no, the $12K will be out of pocket. Of course, even if you could get the $12K rolled into your 60-month loan at, say, 5%, you'd be paying an additional $226.45 a month for that (instead of the $200 a month subscription). What value FSD has at the end-of-loan value of your car is still up for debate, but it won't be $12K, IMO.