In browsing my credit union's loans, they had a "Green Vehicles" loan rate. It's just a .25% APR drop, but hell, might as well. The link points off to a federal program at SmartWay | US Environmental Protection Agency. Sadly, Tesla isn't on the list of vehicles (Green Vehicle Guide | US EPA). I emailed them via the "contact us" section and asked them why. Might help if others do the same. It certainly seems like the Model S would qualify since equivalent luxury cars (e.g. Lexus hybrids) are on the list, plus the Leaf and even the Coda are on the list.