I had some sort of finance deal on a VW Golf BlueMotion. Then diesel gate happened and VW were not bothered to give me compensation, I'm an Eco person and did not want to be seen to be driving a, clearly by then, non-Eco car. (Will never own a VW ever again, the fact that they are comfortable with "buy back every car in USA" and "No compensation in EU" means "I'm out". But they did do me a favour, I looked at the market and then found that Tesla had a long range EV which suited me much better than "just give me another Blue Motion")
So to bail out I would have had accelerated depreciation from early exit and also huge penalties on the finance-exit ...
I paid cash for Tesla so I didn't have to worry about the unknown of huge change in miles-driven, need to change early, or an offer I couldn't resist.
I'm coming up to, but not yet at, 3 years. Recently Tesla had a massive price reduction - it was short lived, but I could have taken that option ...
Right now they are offering something like $20,000 discount for existing owners to buy new (its basically the "Performance stuff for free") so I could take that ...
But all the risk of the car not being worth anything (is that likely?) is mine.
If the finance was dirt cheap [and it has been, at times] I would take it, but I don't really want to pay 20K in finance on a 50K purchase that is worth 25K at the end of it ...
But if you can put the money to work better elsewhere finance would be a good option, and from what I read my route is not well trodden.