Finally end the financial saga with CU finance to Tesla.
Energy Capital CU, good rates ( I didn't get the best due to short credit history and just good CS, below 740). Two things made some road bumps:
1. CU wants some guarantee letter from Tesla, which Tesla was not really want to make first, because CU asked first to provide by request, while Tesla was committed to 30 days only. Next some typos in letter from CU side, in MVPA on Tesla side, few days of back and forth and me calling them both to talk to each other
But at last CU got what they want, sent a check and Tesla get proof of payment and switch me now to LOCAL delivery team from LV one.
2. CU insist THEY will do a registration instead of me, so I have to include taxes in credit. From one side a less (probably) hassle for me, from other side that would have some extra payments. Anyway I'm intended to pay it faster, as well I have some "spare" money from tax payments now.
After all, I get a car with 1500 payment, the rest (with taxes) financed. 72mo 3.5%
Tried some other lenders, either required quite a lot DP and rates was not quite good (well, because of my credit history at first place)
Now eagerly
waiting for pick-up, scheduled for next week, but no updates from Houston delivery team yet...
Hope it will come with amber lights and maybe single-piece back (VIN 401xx)
P.s. another way for Texans to finance is get unsecured car loan from Lightstream (4-7%), get money on the account, pay "cash" to Tesla and later refinance to lower rate from regular institution