I'm not sure what the details are on this so far or what is out there. But I'll share my experience, which will hopefully help some people. I ordered on 11/8/16, and was told I was approved for a lease the next day. I received a letter on 11/22 from US Bank saying I was denied for a lease. I'm not entirely surprised by this as USB has pretty tight standards. I have a 783 equifax score, but have 4 auto leases already which is usually the issue, very low balance to availability credit ratio. Anyways, I inquired as to what was going on, being told I was approved and receiving a denial letter. I was told, after a lot of investigation from my sales rep, that US Bank did in fact deny my application, but tesla went ahead and underwrote my loan off their own balance sheet. So at any rate, Tesla had loser credit standards than USB, which will allow for more sales, however more balance sheet risk for TSLA the company. I was told this is a brand new strategy.