Damn, sorry to hear. They were pretty responsive with me; creating my account and getting my loan approval were both a 1 day wait.
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Tesla loan comparison spreadsheet - auto updates hourly
- Thread starter T3slaMecca
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brianld
Member
Same. I might have squeezed out another few basis points with a CU, but I might have also needed to move my direct deposit, etc, to qualify. This is way easier.
Approved for 2.49 via U.S. Bank, fired off an email asking for a lower rate, they came back in 15 minutes with BMO Harris (2.14%). I then replied back asking what Chase was offering out of curiosity since I have accounts with them (just to simplify autopay) and they updated the account again to 2.04%.
Strange they didn't offer this to me the first go around, but just an FYI that multiple requests may work out for you.
Strange they didn't offer this to me the first go around, but just an FYI that multiple requests may work out for you.
nlam514
Member
Got approved for 2.49% from Wells Fargo and I accepted the offer, not knowing it’s possible to ask for lower interest rate until I saw this thread. I took my chances and emailed Tesla to see if they can find me a better interest rate, thinking it’s unlikely especially I already accepted the offer. I received a reply from them after about 30 mins and got 1.84% from Chase. I was shocked!
Credit score > 800
60 months term.
Credit score > 800
60 months term.
goldenstate01
Member
So as most here I accepted my first offer of 2.49 weeks ago but then I emailed them yesterday and it looks like they offered a better deal but it is not showing up on my account. It only shows my old offer I had accepted weeks ago.
nlam514
Member
When I requested for lower interest rate, they first rolled back to the original offer, then soon after it goes to loan pending. After they found a better offer, my account was then updated with the new offer information with the accept offer button. If new interest rate hasn’t show up after a day, you might want to contact them again to see what’s going on.
Thanks to everyone for the advice in this thread. I would have been happy enough with 2.49% (which I've seen a few places state, and my advisor state yesterday, was the current best/lowest offer Tesla had), but followed the advice here and emailed them to request a lower rate. Sure enough, I got a response in just under 2 hours (still fast enough, but I assume it's because I'm EST and emailed first thing this morning and they're PST so they weren't open yet) and my rate dropped to 2.14%. I see a few others have gotten even lower rates from Chase, but I'm fine with what I have currently and to avoid using Chase. Just my personal preference, but I've had some loans through them and had a few too many issues to want to give them any more money (not trying to disuade anyone from using them, this is strictly my own personal experiences that left a bad taste in my mouth).
dc5itr888
Member
My lowest I got was 2.39 % thru BMO Harris on my 3rd email to them.
This was following what everyone did in asking.
This was following what everyone did in asking.
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