Tesla Loans in South Carolina: Best Rates (2026)
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Tesla's direct financing program is unavailable in South Carolina, but that doesn't mean you're stuck. Tenet works with credit union partners statewide to provide competitive EV financing for South Carolina residents buying new or used Teslas, often at better rates than Tesla's bank partners offer in states where they do operate.
Tesla Financing Rates in South Carolina
| 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.
Buying a Tesla in South Carolina
Tesla sells directly online at tesla.com. 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 South Carolina including private-party purchases.
How to Get a Tesla Loan in South Carolina
- Check your rate at tenet.com. Two minutes. Soft pull — no credit impact.
- 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. Funds wired within 24 hours of signing.
New vs. Used Tesla in South Carolina
New: Delivered to a Tesla Service Center near Charleston. Model 3 starts at $38,630; Model Y starts at $44,990.
Used: The 2026 used Tesla market is well-supplied. 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 South Carolina
- Minimum credit score: 620 FICO
- Minimum loan balance: $10,000
- Vehicle must be 2018 or newer
For the full list of active lending states, see Tenet's FAQ.
Frequently Asked Questions
Can I get a Tesla loan with bad credit in South Carolina?
Tenet's minimum is 620 FICO in South Carolina. Checking your rate is free and doesn't affect your credit score.
Can I finance a used Tesla from a private seller in South Carolina?
Yes. Tenet finances private-party purchases in South Carolina.
Does Tenet finance all Tesla models in South Carolina?
Yes — Model 3, Model Y, Model S, Model X, and Cybertruck.
One Last Thing
Tesla's financing program not being available in South Carolina is a minor inconvenience, not a barrier. Tenet works with credit union partners statewide to offer competitive rates on new and used Tesla purchases.
Check your Tesla loan rate in South Carolina — 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.