I want to finance a 2026 Tesla Model Y, but I only have an ITIN and about 8 months of credit history (score ~682). I make around $100k/year and plan to put $7k-$10k down. Which banks or credit unions approve auto loans for ITIN holders with thin files, and is it possible to get anywhere close to Tesla's promotional APR?
With only an ITIN, you cannot access Tesla's 0%/0.99% financing; the closest verified advertised ITIN-lender floor is KeyPoint's 3.29%, but your 682 score and eight-month ,[object Object], do not guarantee that rate.
You do have workable outside-loan routes: KeyPoint expressly considers applicants with no credit history, RRCU has a dedicated ITIN program, and several regional credit unions use ITIN or alternative-credit underwriting. Your income and planned cash down can be documented, but the honest hard part is that no official source can predict your rate before underwriting.
