Tesla offers 3.99%, you don’t have to use theirs...
Tesla does not do it themselves, they will forward your information to 4-5 banks and pick the best. They just make it easy...
I used Stanford credit union. 2.5%
It was probably >6 months ago, it raised to around 3.5% now
I got 2.99 from TechCU
If you need financing maybe by a cheaper car and focus on investing to grow your nest egg. I bought a model 3 and they are awesome, but paid by just typing account details into the Tesla portal so they could ACH the full price from the provided account. I lived cheaply when younger and focused on investing. 20+ years of compounding was worth it to live freely now.
Best advice I have seen on blind
Let OP live how they want. They asked about financing. It’s their life let them live it. Stop gloating about your bank account. Besides at 3% or 4% loan interest, you could put the full amount in stock or the bank and wind up with more in interest than you would pay over the life of the loan.