Background - Physician from Pakistan who is applying for a J1 wavier (HHS)
DOS FR 6/12/2026
i797 notice dated 6/13
Case tracker shows that Case Was Received At Another USCIS Office
Whats the next step here and how long should the whole process take. Still not filed for the H1B as my DS2019 has an extension through Nov 2026,.
Using a throwaway for obvious reasons:
Looking at a Model Y Premium AWD and want to take advantage of the 0.99% APR promo. Wanted to get some real-world input before I bite the bullet.
Here's my situation:
- FICO 691 (via Capital One app) on the way up, started at 590 in September 2025
- One Chase charge-off, paid in full 😞
- Current auto lease, ~2.5 years in with a clean payment history 😄
- Planning to put down $10–15K
- Looking at 36 months
I know the promo rate is usually reserved for top-tier credit, but I'm wondering if the down payment and clean lease history help offset the charge-off. Has anyone gotten approved at or near that rate with a similar profile? Did Tesla Financial or a third-party lender end up being the better route?
Also — is there any point in requesting a manual review if I get declined or bumped to a higher tier? Has anyone had success with that, or does Tesla's financing not really work that way?
Any insight appreciated — especially from people who've been through the financing process recently.
Looks like a very quiet day today in terms of approval. Maybe I was used to having a lot of approvals come in. Hopefully they keep on coming. My attorney told me yesterday that currently DoS is taking ~90 days to process once HHS does their part.