Tesla's current lineup shows 0% financing locked in on select Model Y variants while the Model 3 Performance lease drops as low as $269 a month with inventory discounts.
Those headline numbers sit alongside much worse rates on other trims. Financing a Model Y Performance hits 5.69%, a Model 3 rear-wheel drive jumps to 6.57%, and Cybertruck financing lands at the same 5.69%. The gap makes it clear that not every configuration qualifies for the best Tesla Model Y 0% financing or Tesla Model 3 0.99% APR.
Context on the June 2026 offers
The 0% and 0.99% rates only appear after you place the $250 order and complete the full credit application inside the Tesla app. A quick pre-qualify check on the build page gives an early signal but does not lock the rate. One-year free Supercharging on the Model 3 also ends June 15, so timing matters.
Tesla lease vs finance deals
Leasing a Model 3 still delivers the strongest monthly payments across the board, especially when paired with the free Supercharging window. Leasing a Model Y, however, carries higher effective interest that often exceeds the 0% or 0.99% finance options. For most buyers the math favors financing the Model Y at the promotional rate and leasing the Model 3 when inventory discounts appear.
What it means for buyers
If you want the lowest Tesla financing rates June 2026, focus on Model Y standard or long-range trims and Model 3 Performance leases. Skip financing the high-demand trims unless you already have capital or plan to pay cash. Attaching a referral link before finalizing still adds three months of FSD at no extra cost.
For the latest inventory discounts and rate changes check the full breakdown here: https://denniscw.com/blog/tesla-incentives-june-2026-current-deals-update. If your pre-qualify financing result comes back denied, this guide explains the most common fixes: https://denniscw.com/blog/tesla-0-99-financing-denied-reasons-fixes.
Bottom line
Lock in the 0% or 0.99% rate while it lasts, use a referral on the order, and choose lease or finance based on the actual APR rather than the advertised monthly payment. The window on these Tesla Model Y 0% financing and Tesla Model 3 0.99% APR deals is short.
Watch the full breakdown here.
Tesla referral — 3 months free FSD + low APR financing
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