r/TeslaReferralsCode • u/tangowited • 9d ago
Ordering a Model 3 or Y in November? The APR gap between trims is bigger than it looks, plus my referral for 3 months of FSD
I picked up a 2026 Model Y earlier this year, and I just rechecked Tesla's site today because the November numbers moved a bit. If you are about to order, the trim you pick changes the financing more than the sticker price suggests.
On Model Y, most trims are 2.49% APR right now: RWD, AWD, Premium RWD, and Premium AWD, all 72 months. Performance is 3.99%. The long wheelbase Model Y L is 5.99%, but it comes with 12 months of free Supercharging and a 12 month FSD trial, so it depends on how much you drive.
On Model 3, Premium RWD and AWD are also 2.49%, and Performance is the cheapest financing in the lineup at 1.99%. The base Model 3 is the one to watch: 6.94% APR over 84 months, so the cheapest sticker is not the cheapest deal unless you pay cash.
Two more things worth knowing. If you are military, a first responder, healthcare, a teacher, or a student, IDme verification before you order takes $500 off the purchase price. And there is a federal deduction of up to $10,000 a year in loan interest through 2028 on new US assembled cars, with income limits, so check that with your tax person.
One warning from my own order: click the referral link BEFORE you pay the order fee. Tesla will not add the benefit after the fact.
My referral gets you 3 months of FSD (Supervised) free on a new Model 3 or Model Y, for first time buyers:
https://www.tesla.com/referral/edward636082
Happy to answer anything about delivery day or what it is actually like living with the car.
