Tesla loan comparison spreadsheet - auto updates hourly

[steve86]

No.. I can’t find the page to do so. Everywhere I’ve read it says to do it in your Tesla account, but when I log in I can’t find anything about it. I so lost..

assuming you ordered your car already, log into your account then click on manage in the middle section of the page. After you should see a place to fill out Delivery info, registration, trade in, and payment info.

FYI, I was told no to fill out the credit application until I was closer to delivery to avoid applying twice should the approval expire.

 

[Joe_P3D]

assuming you ordered your car already, log into your account then click on manage in the middle section of the page. After you should see a place to fill out Delivery info, registration, trade in, and payment info.

FYI, I was told no to fill out the credit application until I was closer to delivery to avoid applying twice should the approval expire.

Okay, found my mistake. For the past few days I was in and out of there playing around with the different payment options and the numbers, but never actually hit continue for the Tesla Arranged Loan. I see it now! Thank you for making me go back in

 

[2021 M3P]

If you click on Manage, it will take you to your car’s profile. The application is found under the payment method section.

 

[DennyL]

Can someone update the spreadsheet? Frontwave Credit Union. I just did a refinance for 96 months at 3.74%. My original loan was through Tesla via Chase for 72 months at 2.2%. I needed to bring down my debt-to-income ratio, so this seems like the best deal by far for 96 months.

Loan Rates | CA Credit Union Loan Rates | Frontwave Credit Union

Note .25% discount if on auto-pay from checking.

@T3slaMecca

 

[acarney]

Can someone update the spreadsheet? Frontwave Credit Union. I just did a refinance for 96 months at 3.74%. My original loan was through Tesla via Chase for 72 months at 2.2%. I needed to bring down my debt-to-income ratio, so this seems like the best deal by far for 96 months.

Loan Rates | CA Credit Union Loan Rates | Frontwave Credit Union

Note .25% discount if on auto-pay from checking.

@T3slaMecca

Do you know what kind of credit score you need for that? That could drop my payments by about $100/mo and shave about 1.5% off my rate...

 

[DennyL]

Do you know what kind of credit score you need for that? That could drop my payments by about $100/mo and shave about 1.5% off my rate...

Tier 1, 760 and above I think.

 

[acarney]

Went through the leg work to do the physical work of getting a membership applying for a loan through Carolina Cooperative Credit Union.

Unfortunately, they seem pretty hesitant to give loans for private sellers, which is what I was looking for. Approved for 2.49 for 72 months, but denied unless it was through Tesla or a dealership

Ended up going through a credit union that isn't on the list Azura Credit Union 2.99 for 72 months. (Someone want to add them to the list)
Seems you can join if you are in Kansas or a government(state, local or federal) employee....

Also seems lines in 131 and below need to be cleaned up and put where they belong in the excel spreadsheet.

Sorry to bug you again about Carolina... do you happen to know if they’re 2.49% rate is also for their 84 month, or just out to 72 months?

 

[jf64k]

Sorry to bug you again about Carolina... do you happen to know if they’re 2.49% rate is also for their 84 month, or just out to 72 months?

Yes...84 months

Loan Rates — Carolina Cooperative FCU

 

[acarney]

Yes...84 months

Loan Rates — Carolina Cooperative FCU

How long ago did you apply and was it very hard getting a hold of a loan rep via phone or email?

 

[jf64k]

How long ago did you apply and was it very hard getting a hold of a loan rep via phone or email?

Sent my paper loan/membership app (yes, they require a paper app haha!!) last week. Very nice, prompt comms via email. They are a SMALL credit union, so keep that in mind when corresponding. So far, I’m happy with them.

 

[dmurphy]

72 mos - 2.49% via Tesla Credit. Not much need to shop around at that ...

 

[AH-1Wmech]

I simply sent an email to [email protected] asking them to get a better rate. they replied asking for order number and then provided me with a new rate and updated my profile page.

Thanks for this useful tip. I had initially received a quote for 2.75 from Wells Fargo when using Tesla Financing. I send them an email this morning enquiring about a lower rate, not event 5 mins later they came back with 2.24 through JPMorgan.

 

[Levelheadsteve]

Thanks for this useful tip. I had initially received a quote for 2.75 from Wells Fargo when using Tesla Financing. I send them an email this morning enquiring about a lower rate, not event 5 mins later they came back with 2.24 through JPMorgan.

72 months?

 

[AH-1Wmech]

72 months?

Correct, 2.24% at 72 months

 

[SanFranFerg]

2.14%, 60 months, 70%LTV, California, Tesla via JPMorganChase.

 

[Mattopotamus]

2.49%, 72 months, US Bank. (100% financed, taxes paid by me).

I just did it through Tesla and it took under 5 minutes.

 

[fqueiroz]

EECU in Fresno has rate at 1.86% up to 72 months for new and used cars.

 

[cappelli05]

EECU in Fresno has rate at 1.86% up to 72 months for new and used cars.

Thanks for posting this! We had our financing through them pre-approved for 2.49%, will contact them ASAP (we just got our VIN in MVPA) for new 1.86% - saw I missed the email in my inbox yesterday. We've financed through them for multiple vehicles because they consistently have the best rates!

 

[carlosnunezdfw]

I got 2.99% with Alliant Credit Union for a 72-month plan against $60,800. I’ll add it to the spreadsheet when I’m on desktop.

 

[MedusaManiac]

Anyone have any leads on a good credit union with competitive rates that can do business in FL? I have top tier credit and am really just looking for one that can beat the rates through Tesla (2.29 for 72). Open to 60-84 month terms. Thanks.