Just coming by to say it’s worthwhile to shop around for interest rates. All the pulls, within 14 days, will count as one anyway. Yes, there are some nuances to it since every bank doesn’t pull the same bureau, so you do run the risk of multiple pulls across bureaus, but for me, it was worth it. Wells Fargo, whom I despise with a burning passion, picked up my Tesla app at something like 5.5%. My credit union came back with 1.99%. Through Tesla’s Rate Match Guarantee, Wells Fargo matched the rate. The lowest advertised Tesla financing rate is 2.49%. Shop around if you have the means and time to do so. I probably could’ve accepted the initial Wells Fargo offer and picked it up a day or two earlier, but I spent the time searching around, and it paid off.
My credit is less than perfect, there are literally a metric ton of hard inquiries from the last 2 years, and I have about a 29% utilization. I’m clearly leaving 50 points on the table, but I’m working on it.