Tesla Loans in Florida: Best Rates (2026)
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Florida is an active Tenet lending state — meaning competitive EV financing is available to Florida residents buying new or used Teslas through any channel. Here's what you need to know.
Tesla Financing Rates in Florida
| Credit Score | Tenet APR |
|---|---|
| 760+ | From 5.25% |
| 720+ | From 5.75% |
| 680+ | From 6.25% |
| 620+ | From 7.50% |
Regional rates as low as 4.40% through select credit union partners. Rates as of April 2026, subject to change. Minimum loan balance $10,000.
Florida EV Buying Context
Florida is the second-largest EV market in the US, with strong adoption in Miami-Dade, Broward, and the Tampa Bay area. Florida has no state income tax and no state EV incentive program currently. Florida utility companies including FPL and Duke Energy offer home charger installation rebates — check your utility's website. Florida is an active lending state for Tenet with full coverage statewide.
Buying a Tesla in Florida
Tesla sells directly online at tesla.com — no dealerships. You configure your car, place a deposit, and pick up at a Tesla Service Center or delivery hub. Find the nearest location at tesla.com/findus.
For used Teslas, inventory is available through Tesla CPO (tesla.com/used), Carvana, CarMax, independent EV dealers, and private sellers. Tenet finances all channels in Florida including private-party purchases.
How to Get a Tesla Loan in Florida
- Check your rate at tenet.com. Two minutes. Soft pull — no credit impact.
- Get pre-qualified. Valid 30–60 days.
- Find your Tesla. New at tesla.com or used through any channel.
- Finalize your loan. Sign digitally once you have a VIN and final price.
- Tenet funds the purchase. Wire within 24 hours of signing.
New vs. Used Tesla in Florida
New: Model 3 starts at $38,630; Model Y starts at $44,990. Current delivery timelines typically 2–6 weeks.
Used: A clean 2022–2023 Model 3 Long Range runs $22,000–$30,000; a comparable Model Y Long Range runs $27,000–$32,000. Tenet finances used Teslas back to 2018 at the same rates as new.
Loan Requirements in Florida
- Minimum credit score: 620 FICO
- Minimum loan balance: $10,000
- Vehicle must be 2018 or newer
See Tenet's FAQ for the full active state list.
Frequently Asked Questions
Can I get a Tesla loan with a lower credit score in Florida?
Tenet's minimum is 620 FICO. Rates for borrowers with lower rates will be higher. Checking your rate is free and doesn't affect your credit score.
Can I finance a used Tesla from a private seller in Florida?
Yes. Tenet finances private-party purchases in Florida through KeySavvy.
How long does approval take?
A few hours from application to approval, with funding within 24 hours of signing.
One Last Thing
Whether you're buying new from Tesla's website or a used car from a private seller in Miami, Tenet can fund the purchase at a competitive rate with a same-day process.
Check your Tesla loan rate in Florida — two minutes, no credit impact.
Rates as of April 2026, subject to change. APR range 5.25%–18.99%; regional rates as low as 4.40% through select credit union partners. Minimum loan balance $10,000. Tenet Energy Inc., NMLS #2262929.