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Tesla Raises US Model Y Financing to 2.49% APR After Earnings

📍 TeslaNorth

Tesla raised the interest rate on most new Model Y loans in the United States, one day after reporting its third-quarter results. According to its Current Offers page, the Model Y Rear-Wheel Drive, All-Wheel Drive, Premium Rear-Wheel Drive and Premium All-Wheel Drive now carry 2.49% APR for well-qualified buyers who order on or after October 22, 2026, up from 1.99%. The Model Y Performance stays at 3.99%. These promotional rates cover terms of up to 72 months with at least 5% down. On a US$45,000 loan, the monthly payment rises about US$10, or roughly US$750 over six years.…

🔎 Why it matters: The Model Y APR increase comes alongside the largest passenger vehicle backlog in four years that Tesla reported for Q3 2026. The article presents this as a sign that there is less need to subsidize loans.
📈 Upside: Not applicable.
📉 Risk: The reported Model 3 lease increase has not been verified on Tesla's website, so final lease prices remain pending.
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