@SSH0126 wrote:Does anyone know which scoring model they use? Credit bureau/scoring model number
Most forums I've read that Tesla Finance is not bureau score dependant. I've also read that most use outside/third party lenders to secure financing. If you google Tesla Loan Rate Spreadsheet, there has been a bunch of Tesla owners that have been using that as a guide for lenders. I believe it has some outdated information but some of that sheet auto updates and it has some current comments from recent applications.
For myself, they pulled from Equifax and Transunion. Not sure what scoring model they used. I think they might have pulled from 2 Credit bureaus depending on who they were shopping out the loan and what that specific bank asks for (I may be wrong about this, but my Spidey sense tells me this is why). Anyway, I was approved by TD Auto Finance which pulled from Transunion with a score 772 at that time.
