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Tesla News and DealsJuly 11, 2025
Tesla Discounts and Financing Predictions: What to Expect Next Quarter
Tesla Discounts and Financing Predictions: What to Expect Next Quarter
Hey everyone, DennisCW here! If you're in the market for a Tesla, you're probably keeping a close eye on deals, discounts, and financing options. In my latest video, I dove deep into what we might see over the next quarter, including predictions for the best deals on various models, when promotional financing could hit the Model 3 and Model Y, and a huge update for our Canadian friends. Let's break it all down in this blog post. Whether you're a first-time buyer or upgrading your EV, this could help you time your purchase just right.
Current Tesla Incentives: What's Hot Right Now?
Let's be real—there aren't a ton of killer incentives floating around at the moment. The standout deal is on the Cybertruck: 0% financing if you bundle it with Full Self-Driving (FSD). Plus, you can snag inventory discounts up to $8,000–$10,000 off. The Foundation Series seems sold out, but keep an eye out—they pop up randomly.
For everything else? If you're paying cash or going through a credit union, you might score rates around 4–5%, which isn't groundbreaking unless you're putting down a massive amount. If you're in a pinch—like after an accident or facing hefty repair bills—credit union financing with a big down payment could be your best bet. I feel for anyone in that spot! Check out our Patreon group (link in the description) for a list of credit unions offering rates better than 5.54%.
Other perks include:
- America's Hero Lift Driver: 3 months of free FSD if you use a Tesla referral link (grab mine below!).
- Free Paint Options: White, blue, or red paint if you take delivery by July 14th.
Big News for Canada: Massive Model Y Price Drop
Shoutout to all my Canadian viewers! Tesla just slashed Model Y prices by a whopping $20,000. This brings it back to pre-tariff levels after those hikes threw things off. If you're north of the border, this is your moment—deals like this don't last forever.
Predictions for Upcoming Incentives and Financing
Based on trends and Tesla's patterns, here's what I predict for the next quarter. Remember, these are educated guesses, but I've been tracking this for a while!
- Referral Program: Likely staying put, but it could vanish. Don't count on big changes.
- Free Supercharging Transfer: Probably not happening.
- Free FSD Transfer: I see this sticking around for the next two quarters—great for upgraders!
- Financing Rates: Currently at 5.54% across the board for Model 3, Model Y, Model S, and Model X. Here's my model-by-model breakdown:
- Model Y: Could drop to 1.99%. Tesla doesn't need to go to 0%—they've got the $7,500 federal tax credit ending soon (by September 30th), and they'll push that hard in marketing. Expect things to heat up in the coming months!
- Model 3: Might hit 0% like last quarter. This would be a game-changer.
I'd love to see 0% across the board, especially since other markets like China are offering 0.99% or even 0% on Model Y. A 0.99% rate could have a similar impact without going full zero.
Leasing, Inventory Discounts, and New Releases
- Leasing: Don't expect huge changes. Model Y might get more aggressive, like $1,000 down instead of $3,000, but it'll likely stay similar with a focus on better interest rates.
- Inventory Discounts: Check our deal spreadsheet (link below) for the latest. Model 3 has $2,000–$3,000 off, while Model Y is mostly demo deals—not super favorable yet. We might see better per-mile discounts soon, like $1–$1.50 off per mile on demos. A 2,000-mile demo with $3,000 off? That'd be solid.
- New Releases: Hoping for the 7-seater, 6-seater, or Model Y Performance soon, but I bet they hold off until Q4 to focus on high-volume sellers like standard Model Y and Model 3.
Tesla Shareholder Meeting and More
In other news, the Tesla shareholder meeting is set for November 6th—this is the annual one, not to be confused with the earnings call later in July. Exciting times ahead!
Protect Your Credit Before Financing
Planning to finance your Tesla? Protect your credit first! Bank of America had a data breach and waited a month to tell customers—your info could be out there without you knowing. Most breaches take 277 days to report. That's why I use Aura, today's sponsor. Aura scans the dark web for your info, reduces spam calls, removes your data from broker sites, and includes $5 million in identity theft insurance—all in one app. Try it free for 14 days at aura.com/denniscw (link below). Don't wait—protect yourself now!
Maximize Your Trade-In Value
If 1.99% on Model Y isn't enough and you're holding out for 0%, remember: the math between 0% and 1.99% isn't huge. The real savings? Getting max value for your trade-in. Our partners at Give Me the VIN can help—submit your vehicle info below, and they'll pair you with a consultant for top dollar. They buy nationwide from home and have a $25,000 cash giveaway. Check it out!
What Do You Think?
Do you agree with my predictions? Would 1.99% on Model Y make you pull the trigger, or are you waiting for 0%? Drop your thoughts in the comments, and let me know if you're planning a purchase. If you enjoyed this, subscribe to my channel for more Tesla updates, and grab those referral links below. Thanks for reading—let's chat soon!
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Dennis CW
Tesla enthusiast and EV expert. Sharing tips on maximizing your Tesla ownership experience.