I’ve researched so much and never felt this stressed over a car before…
I’ve got a loan approved from USAA, but I’m confused about how it all works with the dealer and payment. I’ve seen posts about dealer funding requests, so I called USAA, and they said I need to have the exact amount ready on delivery day.
Here’s the issue: I have trade-ins, and I haven’t made a down payment yet. Do I just give them the amount before trade-ins, or should I include trade-in value now? Will they adjust everything on delivery day?
Sorry if this is confusing! Just want a clear answer, and I’ll delete this after I get it. Will call USAA again tomorrow too.
If you’re looking at a Model 3 or Model Y, Tesla has some promo offers. They’re doing 0% financing for 60 months on Model Y and 1.99% on Model 3. I’m not sure if it’s everywhere or just in some areas, but it’s worth checking out.
@Lennon
I’m actually going with a used one since I don’t qualify for the tax credit. It’s not a long-term vehicle for me… just something to save on gas for a while since I drive a lot. Even with a 5% rate, I’m saving about 15k by getting a 2022 model.
Skyler said:
Teslas can be a headache if you ever need to file a claim. Just something to keep in mind if you’re set on going with one.
Yeah, it’s a short-term solution for me anyway. My current car needs some work, and going the used Tesla route seemed like a cheaper option because of how much I drive.
Kei said:
I wouldn’t buy an EV right now; leasing might be better with all the tech changes and depreciation risks.
Haha, that’s why I went used! I actually wanted a hybrid SUV, but they’re too pricey right now. So Tesla’s just a temporary option for me to get by for a few years.