2026 Model Y Interest Rate APR

You'll love your new car, but can I suggest test driving the Premium AWD first to see if it's enough? It probably is... and qualifies for the 0.99%.

Check with credit unions and banks in your area.

Wait, that’s the advice. If you’re dead set on the Performance then maybe they’ll put out a 2.99% for the end of quarter deal, they’re probably struggling on sales right now because Q1 is historically terrible and they’re also missing the tax incentive now. They’ve pulled every other lever they can find, next is extra features and/or (further) price reductions on their most popular models.

Go shop the banks just like any other car you'd buy.

I just did my financing today for my myp and tesla offered 5.59% via chase... that's a no... so I went with navy Federal at 4.09%

They aren't struggling for sales 😂😂😂 it's a bunch of ppl in here waiting 6-8 weeks for performance models

Unfortunately I have no affiliation with military so Navy Fed won't be possible

I’m in process of ordering a MYP right now and they said expect no sooner than April, or May if wait another weekend. Not sure about other trims. Delivery location is only 30 min from Fremont factory to.

2.99% for 48 months with clearpathfcu.org

Lead time on one SKU doesn’t prove their sales aren’t slouching, we at least need to know what was ordered with what customizations and even then we can only guess whether they’re meeting quarter 1 targets overall. If they fall short with another SKU they may try to compensate with the Performance too, regardless of whether the lead time is high. Cybertruck lead time is also pushing into September, but to call it a pathetic failure would be an understatement with the ~46,000 units moved as of the early 2025 recall. Another example is the Switch 2 has been in stock essentially 100% of its lifetime while ASUS can barely keep the Xbox Ally X on shelves...one is poised to be the best selling console of all time (3.5 million units in 4 days) and the other is a pathetic slouch by comparison that may never even move 3.5 million units. Scarcity does not equal high demand.

I’m fairly confident they were having struggles meeting targets with other trims, otherwise why give effective MSRP discounts in the form of low and no APR financing? And if others are struggling but the MYP sells well then what does Tesla do to meet Q1 targets?

This is crazy because tesla gave me a 6.5%, went to navy federal and got 12%😭

Dam lol you must got something crazy on your credit report you need to investigate lol

I just financed an awd myp at 0.99% Feb 18th, If your not taking advantage of the extremely low rate offering that's going on right now just get a used hw4 car 2023-2024.

Performance or premium?

Is it only for California residents?

How did you get the 0.99% on a performance version?? Any contact for getting that rate? I have excellent credit score and history.

Sorry I should have clarified I got a premium, I didn't see any value in spending more for the performance, especially now that they both have the same black headliner and 16" screens. My advice is just get the premium and take advantage of the .99%.

They aren’t going to put any deals out on the MYP. The demand for the car is strong. Your best bet is to go through a credit union. I just got the car last week and it’s incredible

Premium and performance have entirely different target audience. There ade plenty of upgrade in the Performance beyond the headliner and screen however if at the end of the day you don’t value them then premium is just fine.

Tell that to Elon, he would be furious cos his life achievement package is depending on it.