Chances of getting 0.99% APR on Model Y Premium AWD with 691 FICO?
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.