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2024 Tesla Model Y — dealer APR is higher than my credit-union preapproval

QuietCollector76Community StarterApr 29, 20262024 Tesla Model Y Long RangeTampa
2024 Tesla Model Y Long Range, about 17,500 miles. I have a preapproval in hand and the dealer offered a higher rate. Is there any reason to let them try to beat it, and how should I compare lender fees or incentives instead of only APR?
apr
9.26
location
Tampa
trade in
term months
36
asking price
58000
dealer addons
895
dealer doc fee
699
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2024 Tesla Model Y Long Range

$579/mo

Miami, FL

8 replies

CityWeekend789Community StarterCommunity StarterApr 29, 2026permalink
Treat this like a math problem, not a vibe. GAP, paint, and nitrogen are optional until you run the 2024 Tesla Model Y numbers without them. If they balk, that's your answer. Verbal 'we'll take care of it' is not a plan. Sleeping on the number either way.
RoadGarage177Community StarterCommunity StarterApr 30, 2026permalink
Agree — and I'd add this: Ask for out-the-door on the 2024 Tesla Model Y with fees, add-ons, and rate on separate lines. Do that before you talk monthly again. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. Happy to compare notes if your setup is different. That's my plan before I call anyone.
QuietCollector76Community StarterCommunity StarterApr 29, 2026permalink
Coming back with numbers — insurance in Tampa changed the 2024 Tesla Model Y comparison more than the sale price did. I'm keeping receipts and dates in one folder.
HighwayGeekCommunity StarterCommunity StarterApr 30, 2026permalink
The trap is a pretty payment hiding a worse car price. If they're pushing term length to shrink the payment, the 2024 Tesla Model Y price probably got worse. That's the part that actually changes the decision. Any freeze-frame data saved? I'll update if anything new shows up.
BoostGuy47Community StarterCommunity StarterApr 30, 2026permalink
I'd want competing paper, not competing stories. GAP, paint, and nitrogen are optional until you run the 2024 Tesla Model Y numbers without them. I'd rather lose the car than buy a foggy deal. Run the total, not the monthly, before you commit. I'd rather be boring and correct. Might be overthinking it, but I'd rather overthink than overspend.
CanyonSeller103Community StarterCommunity StarterApr 30, 2026permalink
I would not stare at the monthly. If they're pushing term length to shrink the payment, the 2024 Tesla Model Y price probably got worse. Then the comparison gets honest. Happy to compare notes if your setup is different. I'm in no rush to be a hero on it.
QuietNerd801Community StarterCommunity StarterApr 30, 2026permalink
Hard-won lesson from my last deal: Ask for out-the-door on the 2024 Tesla Model Y with fees, add-ons, and rate on separate lines. I'd rather lose the car than buy a foggy deal. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. I'd want a dollar figure or a measured spec, not 'should be fine.' I'd rather look cautious in this thread than stuck later.
BoxerScoutCommunity StarterCommunity StarterMay 1, 2026permalink
If I were shopping this, if they're pushing term length to shrink the payment, the 2024 Tesla Model Y price probably got worse. Screenshot the worksheet if you can. This is from a 2024 Tesla Model Y in Tampa with 17,500 miles. I'd want a dollar figure or a measured spec, not 'should be fine.' Doc fee is the line I'm watching.
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