I applied for a Tesla Model 3 lease (36 months, 10k miles).
Originally, after approval, my app showed:
about $2.7k due at delivery
around $545/month
I accepted that structure.
But when I went back later to finalize everything, the lease changed to:
about $5.5k due at delivery
around $463/month
What’s confusing is:
same lender (Santander)
same money factor
same car price
same term/mileage
basically everything stayed the same except how the payments are structured.
I already messaged Tesla asking if they can move it back closer to the original lower upfront structure, even if the monthly payment increases again.
Has this happened to anyone else? Were you able to get the earlier structure back?
Trying to figure out if this is normal final underwriting behavior or if there’s actually flexibility with Tesla lease structures after approval because my delivery is supposed to be in two days.