I agree, the terms are fixed. But I think the frustration comes more from the inconsistency between Guides rather than the price itself. As the OP said, having one person work hard for the deal and another blow it off is jarring. Consistency is key if they want to be taken seriously as a major...
Most of the best accessories for the R1T are bolt-on/bolt-off anyway (racks, tent, mats). You get the utility without the long-term commitment. Seems like the smart play for 2025.
It’s almost always worth the extra hour of paperwork to secure a loan from an external bank or CU. The Rivian portal handles third-party funding pretty well once you have the checks.
I'm with you, that doesn't sound right for a financed vehicle. If it's a loan, they just hold the title until the debt is paid—they shouldn't care if the check comes from you, Rivian, or Cox Automotive. Definitely push back on them, it sounds like a misunderstanding on the credit union's end...
Regulatory credits boost revenue, but they do not reduce COGS (Cost of Goods Sold). The $31,000 reduction per unit mentioned in the filings is purely physical manufacturing savings, independent of credits.