Thanks for this spreadsheet... stumbled upon it maybe 1.5 months ago, when I was starting to look into ways to pay for our new Tesla (delivery scheduled Friday), just got approved/funded for a loan through HickamFCU (lucked out my brother-in-law just moved to Ohau last year) for 1.74% on a 60 mo loan... Will find out tomorrow if I can get them to overnight/use 2-3 day shipping on the funding check as they don't wire/ACH funds, and don't think it'll get to Tesla in CA before Friday otherwise.
Not sure if they can't expedite the shipping if I can back out of having them do the loan and then see if I can have lightstream beat their loan, since lightstream will seemingly ACH/Wire funds. Regardless, took a bit of work to get a membership/loan from a bank in another state... but significant savings.
PS. If you're going to use Hickam, they determine their value/debt ratio from the KBB value of the new car... and initially they only used the value of the base long-range AWD model 3, had to walk them through adding the value of the paint color, AP, and FSD to the KBB value. Otherwise, the loan rate was 1.99% since in their calculations I hadn't put in over 20% down. So worth noting if you want to do more than 80% financed it seems to be a 0.25% APR difference.
