Thinking of a car loan for a Tesla? Sensible—silence at the lights and a smug grin at the bowser cost money. In Australia, compare banks, credit unions and specialist EV lenders; secured loans usually land lower rates than unsecured, and the comparison rate tells the real story once fees pile in. Terms commonly run 3–7 years, and a deposit or avoiding a balloon can trim the total interest, not just the monthly pain. Check state perks like potential rego/stamp duty discounts, and note that eligible EVs under the luxury-car-tax threshold may qualify for FBT-free novated leases—great if your payroll plays ball. Tesla’s own finance can be convenient, but pre-approval elsewhere gives you leverage and a plan B. Read the fine print, budget for insurance and charging kit, and don’t finance floor mats like they’re a Picasso.
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