Has anyone used their S tax credit in conjunction with a loan from Tesla? I know some lenders do not want you to pre-pay your principal. Has that been anyones experience with Tesla? I would ideally like to use the $7500 to reduce my payment, but would accept it shortening my loan length, but that doesn't work either if I can't apply it to the principal. Anyone have any better strategies? I could loan myself the money and replace it with the tax refund but that's a lot of money to commit to a year plus waiting on the tax credit (i.e. buy the car in Jan but wouldn't get tax credit until probably April of the following year once taxes are filed) Thoughts?