u/ForceVader

I currently own a 2024 Tesla Model Y Long Range and have about $6k in positive equity on trade-in. I’m debating whether to upgrade to a Tesla Model 3 Performance with the 0.99% APR, or go with a Tesla Model Y Performance at an estimated 4–5% interest through my credit union.

I’m really torn because I love the speed, handling, and sporty feel of the M3P based on my previous test drive, but I also appreciate the extra space and practicality of the Model Y and more newer premium features. At the same time, space isn’t a major concern anymore since my wife recently got a rav4 that I can use whenever needed so that made me think to get a M3P instead of a model y performance.

Money isn’t necessarily the deciding factor, but keeping payments lower is obviously a plus. I feel like it ultimately comes down to whether I should take advantage of the extremely low APR and get the more fun car, or stick with the more practical option even if it ends up costing more overall. Curious what you guys would do in my situation.

Thanks!

I currently own a 2024 Tesla Model Y Long Range and have about $6k in positive equity on trade-in. I’m debating whether to upgrade to a Tesla Model 3 Performance with the 0.99% APR, or go with a Tesla Model Y Performance at an estimated 4–5% interest through my credit union.

I’m really torn because I love the speed, handling, and sporty feel of the M3P based on my previous test drive, but I also appreciate the extra space and practicality of the Model Y and more newer premium features. At the same time, space isn’t a major concern anymore since my wife recently got a rav4 that I can use whenever needed so that made me think to get a M3P instead of a model y performance.

Money isn’t necessarily the deciding factor, but keeping payments lower is obviously a plus. I feel like it ultimately comes down to whether I should take advantage of the extremely low APR and get the more fun car, or stick with the more practical option even if it ends up costing more overall. Curious what you guys would do in my situation.

Thanks!