Question on financing step in purchase process in Texas

[MBCTex]

I reserved an R1S way back in November 2021. Just got notice to confirm my config a few weeks ago so I did, then on Friday of last week I got a new delivery window of Dec-Jan. So I checked the shop and there was our exact config, ready in 1-2 weeks, so I grabbed it. Got a text from Rivian late this afternoon (Monday) asking if I could be ready to take delivery on Friday or Saturday. That escalated quickly.

Here's my question. I'm applying for a loan through Navy Fed (just 4.99% for up to 60 months - best I found). They ask a couple questions I don't know the answer to. First, they ask if I know the exact vehicle or just want preapproval. I don't see the VIN anywhere in my account on the website so I started applying for reapproval. Then it asked me if I am buying from a dealer or a private seller. If I choose the wrong one I'll have to submit a new application, which will hit my credit report a second time, so I really want to avoid that but I'm not sure which answer to give. I am in Texas where car companies can't sell direct, only dealers can, and can't talk about price in person. To buy you have to go through their website and pay online. When I bought my Tesla several years ago I had to go register it myself and pay the tax at the Comptroller's office. So is Rivian considered a private party seller in Texas, or are they considered a dealer for purposes of financing? If anyone knows for sure I'd appreciate hearing from you. Thanks!

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[VSG]

You're buying from a "dealer".

The VIN should be in your account. Log on, click on the vehicle icon in the column on the left, then "Vehicle overview" and the VIN should be in the upper left hand part of that page. Not really obvious, but it should be there.

Oh, and congratulations. It's a roller coaster from here on out ...

 

[MBCTex]

Thank you for the help. The VIN was not on my account page but I was able to get it using the chat function on their website. I also got a text from the someone late yesterday about setting up delivery for this coming weekend. I thought it was from my Guide but it was actually the "Delivery Specialist." I asked him to have my Guide call me and she finally did this afternoon and was very helpful. Now just waiting for loan approval and hoping I get the check in time to mail it to Rivian so they can receive it Friday, because in Texas I can't give them a check at delivery. Because in Texas we're all about personal freedom unless it impinges upon the market power of wealthy industries like car dealers.

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