Is 0% Financing Coming Soon for the Model Y Performance? Here's My Prediction

Is 0% Financing Coming Soon for the Model Y Performance? Here's My Prediction

I get this question all the time: "Dennis, when is 0% financing dropping for the Model Y Performance? Or at least 0.99%?" It's a hot topic right now because the standard Model Y is sitting pretty at 0% financing, and select versions like the Premium AWD and RWD are at 0.99%. But the Performance trim? Crickets.

Today, I'm diving into why that's the case, looking at historical data, and giving you my honest prediction on what's coming next for the Model Y Performance.

Why Is the Model Y Performance Excluded?

Captain Carlos nailed it in a recent post: It's all about supply and demand. Tesla only started delivering the refreshed Model Y Performance last December. Demand is still sky-high, and they're playing catch-up:

• Orders are backed up with deliveries stretching into March, April, and even May.
• Even in Canada (different factory), the story's the same.

Why incentivize a hot product that's selling out? Tesla doesn't need to—they're moving units without it.

Historical Precedents: What Happened with the "Old" Model Y?

Let's rewind to 2024 offers on the legacy Model Y (now 2+ years old):

• 0% financing for up to 60 months (included Performance).
• 0.99% for up to 72 months.

That was for a vehicle 3-4 years into its lifecycle. The current Model Y Performance is brand new by comparison, so expect patience.

My Prediction for Model Y Performance Financing

Here's what I see happening:

• This year? No 0% anytime soon. At best, 1.99% or 2.99% in Q3 or Q4—if production ramps up big time.
• 0% financing? Probably 2-3 years down the line, just like the old Model Y.

Right now, the Premium AWD is at 0.99%, so the Performance might trail a bit behind as Tesla prioritizes volume trims.

What Do You Think?

Are you holding out for a killer finance deal on the Model Y Performance, or pulling the trigger now? Drop your thoughts in the comments below—I read them all!

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Stay charged, Tesla fam. 🚀

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DennisCW – Your go-to for Tesla news, tips, and predictions.