Which States Does Tenet Lend In? (2026)
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Tenet is currently active as a state licensed lender in 35 states. If your state is listed below, you can check your rate today with no credit impact.
Active States (35)
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Florida
- Georgia
- Hawaii
- Iowa
- Kansas
- Kentucky
- Maine
- Maryland
- Massachusetts
- Michigan
- Missouri
- Nebraska
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Washington D.C.
- West Virginia
- Wisconsin
- Wyoming
Tenet continues to expand into new states. If your state isn't listed, check back or apply at tenet.com to be notified when your state is added.
What Tenet Finances
- New and used EVs and plug-in hybrids
- Model year 2014 or newer
- Purchases from dealers, Carvana, CarMax, and private party sellers (through KeySavvy)
- Lease buyouts
- Refinances of existing EV loans
Minimum loan amount: $10,000.
Current Rates by State
Tenet's rates are national – the same rate tiers apply regardless of which active state you're in:
| Credit Score | Starting APR |
|---|---|
| 800+ credit score | 4.99% APR |
| 760+ credit score | 5.19% APR |
| 720+ credit score | 5.94% APR |
| 680+ credit score | 6.49% APR |
| 620+ credit score | 7.74% APR |
Rates as of May 2026, subject to change. Actual rate depends on credit profile, loan term, and vehicle. Checking your rate has no credit impact. NMLS #2262929.
How to Check Your Rate
Go to tenet.com, enter your information, and see your rate in two minutes. No credit impact. No commitment. If you're approved, funding happens within 24 hours of accepting your offer.