Flexible automobile consumption loan. Tesla's flexible payment refers to a flexible payment method provided by the company to car buyers, allowing car buyers to choose the monthly repayment amount and repayment period according to their own economic ability, so as to better arrange personal financial planning. The annual interest rates of Tesla's official loans are 4% and 4.33%, which translates into actual annual interest rates of 7.56% and 8.04%. This interest rate is relatively high, so it is not recommended to borrow money to buy a car in this way.