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Lightstream will approve you for secured or unsecured loan based on your credit profile and I'm sure some other factors.
Makes sense. Just trying to figure out if in my Tesla account I should choose the pay with cash or third party bank option since LightStream will deposit the money directly into my bank account and I can wire it to Tesla.
My thought process is to choose pay with cash and then when I go to the DMV I can put LightStream on the title and register/pay taxes. Unless Tesla handles the title portion prior to me registering and paying taxes then in that case I’d go with the third party loan option.
Try Allegacy in Winston-Salem@n2mb_racing any update? I’m in Cary and was curious how you got the Fairwinds rate? Do you have residency in Florida? Also other than lightstream, did you find any decent rates in NC?
Makes sense. Just trying to figure out if in my Tesla account I should choose the pay with cash or third party bank option since LightStream will deposit the money directly into my bank account and I can wire it to Tesla.
My thought process is to choose pay with cash and then when I go to the DMV I can put LightStream on the title and register/pay taxes. Unless Tesla handles the title portion prior to me registering and paying taxes then in that case I’d go with the third party loan option.
A word of caution here for anyone who is still interested in AFCU.. I don't think DO40 or any other paid membership will work any more. AFCU now requires a formal union documentation as per my last phone call with the loan officer. Also received an angry email from DO40 stating they were contacted by AFCU for all the recent memberships. And AFCU has stopped accepting members of DO40 because of "what they regarded as abuse, possible hacking and interstate issues". The email even talks about legal actions.. sigh
So - STAY AWAY!!! It may be wise to remove ActorsFCU from the spreadsheet.
A word of caution here for anyone who is still interested in AFCU.. I don't think DO40 or any other paid membership will work any more. AFCU now requires a formal union documentation as per my last phone call with the loan officer. Also received an angry email from DO40 stating they were contacted by AFCU for all the recent memberships. And AFCU has stopped accepting members of DO40 because of "what they regarded as abuse, possible hacking and interstate issues". The email even talks about legal actions.. sigh
So - STAY AWAY!!! It may be wise to remove ActorsFCU from the spreadsheet.
I completely missed seeing this spreadsheet before obtaining my loan with Fairwinds, but fortunate to receive a .75% interest rate for a 3 year loan. There is a small discount if you have an account and set up auto pay on the loan. I was going to pay full cash, but the money I keep up front will make more than the cost of the loan over 3 years.
I just got pre-approved through PFCU, they are offering 2.99% for 60 and 1.99% for 48 with cheap membership purchase and payments made through a PFCU account (transfers in OK). This is the best non CA-only deal that I'm aware of.
Will they send you an "approval letter" with all the terms? It can't say "pre-approval". I'm having a hell of a time getting lightstream to match anything lately.Yes, Pasadena FCU.
Ah, you are lucky. My app failed with them. They couldn't verify my out of state license. I own a business in FL and should have qualified, but they killed me app after pre-approving it.
Anyone have any success recently with Tower?
Absolutely! We need contributions like this!So much to read in this thread so excuse the question - found a great rate at a CU in Western Connecticut. Best by far in the local area and easy to become a member if you live nearby. Can it be added for others to use?
Mount Kisco NY Tesla Customers be aware!
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2.79 for 60 months if you do electronic payment, or 3.04 for 72.
You have to email them. Check their website for the addressAt the risk of being ridiculed, can anyone point me to where you can go to try to get lightstream to beat a rate? When I am logged in all I can do is proceed with their offered loan terms. I cannot find any option to submit to have the rate beaten.