c4Lvin
Member
I did not accept at 2.49. Dropped them a message and they will get back to you in a few hours with a lower rate assuming you have great credit. Good luck!
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Tesla loan comparison spreadsheet - auto updates hourly
- Thread starter T3slaMecca
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Thank you! So I just have to message the finance team and ask for a lower rate ? Would this rate automatically be applied to my account? So I could proceed completing my profile afterwards if I do get a better rate. Also do you happen to have that email ?
ty!
c4Lvin
Member
Yes somewhere on this thread there's the contact email. I just literally wrote them a pleasant line asking for a lower rate (expecting 2.00 or low 2s) and the best they gave me was 2.14%. Saves a few hundred bucks for a single line of emailThank you! So I just have to message the finance team and ask for a lower rate ? Would this rate automatically be applied to my account? So I could proceed completing my profile afterwards if I do get a better rate. Also do you happen to have that email ?
Good luck!Yes somewhere on this thread there's the contact email. I just literally wrote them a pleasant line asking for a lower rate (expecting 2.00 or low 2s) and the best they gave me was 2.14%. Saves a few hundred bucks for a single line of email
thank you for your help ! This is the first loan I will be applying for and I want to make sure I am doing it correctly !
c4Lvin
Member
Me too! I've never had a Car Loan before so it's my first. The 2.49 was US Bank. Then 2.14 was JP Morgan Chase. Good luck and keep us posted!
thank you! They’re very fast ! I emailed asking for a better rate and responded that I have to accept their first rate and then they can proceed with offering me a better rate, whoops!
How long did it take you do the whole process (membership and approval). I'm taking delivery on the 28th...is it possible to approved by CCFCU that quick?
Received 1.74% through DCU (Digital Federal Credit Union - not sure why it's not "DFCU"...) The give a discounted rate for buying an EV and an additional discount if you due paycheck automatic deposit through them (which may be more hassle than it's worth if you're not already a customer.)
With the holidays that might be hard... if you can overnight stuff all directions it might be possible.
you should feel good about that rate
was originally given 2.49 wells fargo and emailed them to kindly find lower rate
they came back with chase at 2.29.....dont want multiple hard hits on my credit so i just accepted it last month
just completed my financing today. i asked them to pair me with a bank with the lowest rate (I gave them a list of various banks) and it seems BMO Harris has the lowest rate. I was able to get a 2.14% rate for 72 months with them. You can run loan applications through various banks all within 15 days and they will all count as one hard inquiry. If you're comfortable with the 2.29 rate, take it otherwise, shoot them another email asking if they can go lower and you can even apply to other 3rd party banks if you think you can get something lower and if you're in this same 15 day window as when you applied with Tesla and your credit wont take too much of a hit since it'll only count as one hard inquiry.
As a reference for anyone trying to negotiate the rate with Tesla, below is a screenshot of the email I sent them and they sent over a new loan offer in about 15 minutes
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im outside that 15 day window
my car is actually ready for pick up in burbank but i will have to go friday (day off) to pick it up
everything is all set for my delivery (final payment/loan agreement/etc.)....dont want to risk anything to delay my pick up any further, but thanks for the heads up on the 15 day hard inquiry rule
my car is actually ready for pick up in burbank but i will have to go friday (day off) to pick it up
everything is all set for my delivery (final payment/loan agreement/etc.)....dont want to risk anything to delay my pick up any further, but thanks for the heads up on the 15 day hard inquiry rule
Took about 15 minutes for me to hear back but I applied during midday like 12pm PST. They might take a little longer now that it's night time but I'd say they'll probably reply by tomorrow
Regarding the auto loan from the North Carolina CU, anyone knows how their approval process works? 1.99% is great but not sure how to be qualified for it. Is that hard to get the 1.99% rate? I have a FICO score 770+ for all three credit bureaus but what are the ideal dept-to-income ratio or other factors they expect? Thanks in advance!
Did you or anyone else going with DCU have to sign up as a “plus” member or whatever to get that rate?
I am getting my loan through DCU and did NOT have to sign up additional members. To get the 1.74% I will have to set them up as my direct deposit within 90 days. I'll have to decide if that's worth the hassle in 2021...
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