April 29, 20241 yr Looking to replace my Tesla Model 3 performance with another Model 3 performance. When we got my wife's Model Y last year in March, I found a rate of 3.99% at US Senate FCU, which was at the time a lower rate than the 4.5% or higher I was seeing elsewhere. Probably a promotional rate. Love to find a similar deal, anybody seeing anything under 5% APR for 60 months with an over 820 credit score? Lowest so far I've found was 5.24.
April 30, 20241 yr 7 hours ago, Zone Read said: Looking to replace my Tesla Model 3 performance with another Model 3 performance. When we got my wife's Model Y last year in March, I found a rate of 3.99% at US Senate FCU, which was at the time a lower rate than the 4.5% or higher I was seeing elsewhere. Probably a promotional rate. Love to find a similar deal, anybody seeing anything under 5% APR for 60 months with an over 820 credit score? Lowest so far I've found was 5.24. Yeah dude, interest rates have been raised like 3 times since then...financing anything now is gonna suck.
April 30, 20241 yr 14 hours ago, Zone Read said: Looking to replace my Tesla Model 3 performance with another Model 3 performance. When we got my wife's Model Y last year in March, I found a rate of 3.99% at US Senate FCU, which was at the time a lower rate than the 4.5% or higher I was seeing elsewhere. Probably a promotional rate. Love to find a similar deal, anybody seeing anything under 5% APR for 60 months with an over 820 credit score? Lowest so far I've found was 5.24. This time last year the 5Y Treasury yield 3.6%, 100bps (1%) lower than today's 4.6%. 5.25% loan is not too high of a premium above that, and should be considered quite fair.
April 30, 20241 yr Author 9 hours ago, Chewbacca said: Maybe stop giving Elon money. Considering the Feds are giving me money to buy the car, and my automobile operational costs are a fraction of what they were when I had my Audi, I'm not opposed to making him a little richer.
May 7, 20241 yr On 4/30/2024 at 9:21 AM, Zone Read said: Considering the Feds are giving me money to buy the car, and my automobile operational costs are a fraction of what they were when I had my Audi, I'm not opposed to making him a little richer. BuT bUt FaScIsM bro.
May 11, 20241 yr I just got an email from Tesla to finance a new Model Y from 0.99% APR. No idea if it’s available on other models.Why are you replacing your Model 3?
May 13, 20241 yr Author On 5/11/2024 at 2:54 PM, wild_turkey said: I just got an email from Tesla to finance a new Model Y from 0.99% APR. No idea if it’s available on other models. Why are you replacing your Model 3? Nope, only the Y gets that APR. I'm replacing mine since it's 4 years old and warranty is about to run out. New 3 performance models are faster, better looking, and handle better. This model is a total redesign and it gets rave reviews. With the 7.5K tax rebate my payments will be lower. And I know people giving financial advice would say this is financially silly, it's not a big deal to me. I live pretty frugally and this is my one indulgence. I love fast cars and I don't want to spend six figures to get one.
May 15, 20241 yr On 5/12/2024 at 8:53 PM, Zone Read said: Nope, only the Y gets that APR. I'm replacing mine since it's 4 years old and warranty is about to run out. New 3 performance models are faster, better looking, and handle better. This model is a total redesign and it gets rave reviews. With the 7.5K tax rebate my payments will be lower. And I know people giving financial advice would say this is financially silly, it's not a big deal to me. I live pretty frugally and this is my one indulgence. I love fast cars and I don't want to spend six figures to get one. Is this the one with the headlights that look like the S?
May 16, 20241 yr Author 5 hours ago, Biff Tannen said: Is this the one with the headlights that look like the S? No, they don't look the same, least not to me.
May 16, 20241 yr 8 hours ago, Zone Read said: No, they don't look the same, least not to me. Ah, well certainly more like the S than the original 3. I'm not really a fan.
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