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I’m kinda new to this, need your help

GroundFrost1 | 2026-02-28 03:00 | 3 views

Hey everyone, I’ve decided to move forward with a Tesla Model Y and sell my 2015 Audi A3. I’ve honestly had enough of the maintenance headaches. At one point, I even ended up in credit card debt because of repair costs after a $9,000 accident that wasn’t my fault and insurance (GEICO) wouldn’t cover it. I’ve finally dug myself out of that hole. For context, I moved to the U.S. in 2024 and buying a used car was probably my biggest mistake. I was trying to build credit and get settled, but the repair costs completely derailed that plan. My credit score dropped from 744 to 653, mostly due to high utilization. I’ve since paid everything off and I’m waiting for it to recover. I did a demo drive recently and felt a bit pressured to place an order before I was ready. Now I actually am ready this isn’t impulsive. I just want something reliable that won’t keep draining money unexpectedly. For the first time in a while, I feel like I can breathe financially. A few questions: 1. What should I be careful about when financing? 2. Is there a meaningful difference between Model Y RWD and Long Range RWD (or “Premium” RWD)? 3. What ownership nuances should I think about to maximize value / ROI? 4. Anything first-time Tesla buyers usually overlook? Should I go now for the Finance or wait until my score comes back? Usually it will take about a month. From your experience, even if you have 720+, will you get the 0.99 rebate? Appreciate any advice — and thanks for reading my mini rant.

Comments (3)
liam1902 2026-02-28 03:26

I have a 2024 and 2026 Model Y Premium LR AWD (2024 is Black exterior, black interior and 2026 is Ultra Red, black interior). ----- 1.) I'd recommend getting a Tesla when they're offering low APR promos such as 0%, 0.99%, etc. You obv need good/great credit and whatever down payment Tesla recommends to get those promo rates. If you apply and you somehow get a higher rate, message Tesla and they could prob fix it or help you out. 2.) Yes, there are big differences between Model Y RWD/AWD vs "Premium" trims. Model Y RWD/AWD (Standard) does NOT have: manual seat controls, full stereo/speaker system, finished sealed frunk so items will get wet, same exact suspension as Premium trims, motorized steering wheel and mirrors, radio, tire pressure monitoring system (TPMS), ventilated seats, ambient lighting, rear screen, front/rear light bars, etc + Tesla uses a lot of plastic material whereas Premium trims have a nice fabric material. IMO if you have the money and it's not gonna hurt your finances + you plan on keeping the car a long time, get the Premium trim. Premium feels more like a luxury car. 3 & 4.) There are a few recommendations: - Tesla's interior is VEGAN LEATHER so don't use any random product on it and it is VERY fragile compared to real thick leather - Get a wall charger installed at your home for most convenient charging - Climate controls, how fast you're driving, etc all use more of your battery so in the real world, you won't always get the EPA Range advertised - Tesla's build quality and QA is a hit or miss - you could get a great car or one with issues, just depends on your luck - Car's paint is water based so it's thin, soft, and fragile. That means rock chips, scratches, etc are very common. If you take it through a brush car wash, you'll likely see micro scratches. If you wash it incorrectly, you'll get micro scratches. Etc.

DonDee74 2026-02-28 03:53

It's strange that you felt pressured at the dealership coz there was no pressure at all when I got mine but that was more than  3 years ago so maybe the salespeople are working for commission now? I don't know if your credit is good enough, but this seems like a great time to finance with the <1% rates I've seen lately.  You can potentially invest the money instead into T-bills or CD's currently at around 4% and still come out ahead. Anyway, I tend to keep my cars till they die and since batteries tend to degrade over the life of the car, I'd prefer to get the long range version so it will more likely end up with decent range 15 or 20 years from now. As far as ownership considerations go, I'd say you'll really get the most benefit by having home charging options. Unless you can charge at work for cheap, using Superchargers all the time can be expensive and a hassle.  Look for state or utility company subsidies for home charger installation and discounts for EV owners. You perform less maintenance compared to ICE cars, but the current state of affairs is that parts (tires, etc) and services tend to be on the expensive side so it would be more cost effective if you are handy with working on the car yourself for simple repairs and maintenance. Hopefully more competition in the near future to drive prices down. Also, shop around for insurance. Not sure if true but I heard Tesla insurance may be cheaper at first but since they have data on your driving habits they may use that against you to raise your rate later on. Not sure which trim you end up getting but it is generally fun to drive with instant torque so be disciplined so you don't end up prematurely wearing out your tires or get a speeding ticket.

Aromatic-Union1707 2026-02-28 05:02

I would recommend doing a demo drive in each trim the same day for a couple hours each just talk to sales they can help you.

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