Tower is snail slow (IMHO). I had your train of thought, paid for the Tower Cares bull*** and applied for a membership on 1/18. I heard nothing else until 1/26 when they asked me for a copy of the back of my drivers license. I responded immediately. And yet nothing has happened since, and my member application still says “pending”.
I applied to join Adelfi on 1/19 and was confirmed within a few hours on the same day.
Since my delivery window is approaching, I’m about 99.9% sure that I’m going with Adelfi because Tower is either overextended due to volume or simply incompetent. Neither of which I will tolerate when it comes to service and the need for timely processing with a new loan on a Tesla.
Adelfi is 3.85% for 60 months versus 2.99% for Tower. I guess I could always refinance with Tower later, but I’m not impressed at all so far.