I'm currently leasing and it ends in March. I'm strongly considering a Tesla Model Y but need to find the right financing.
For fun, I tried C1 navigator and it preapproved me for 60k at 4.2%. I can't use them, though, since they don't deal with Tesla and I'm buying new.
My TU auto scores are 720+ across the board. All my Fico 9 auto scores on all bureaus are also 720+. But I'm at 680'ish on the older Fico scoring on EQ and EX. EQ will shoot up in August when an old auto chargeoff falls off (it's already off TU and EX), but EX recently decided it hates me for no apparent reason.
I have perfect auto payment history since 2014, multiple paid off auto loans, etc. Utilization is showing at 10% but I've paid it down to 2%, which will post over the next month.
I'd like to be in good shape to buy come September when I get my annual bonus. I can put 10-50% down. Any great ideas, especially a lender who uses TU?
