Americu & CapEd ballon rates are very competitive with conventional financing, but the lowest conventional rates from Parsons or Fedchoice (under 2.5%) will work out to a lower TCO as compared to the best balloon options. If you are all about TCO, go with Parson/Fedchoice for 84 months. If you want to trade a lower payment for a slightly higher TCO, go with AmeriCu/CapEd.
FYI-- I will almost always refinance into a balloon loan now. This just eliminates the time dependency which comes into play when buying a hot vehicle.
2022 Jeep Wranger Willys 2door Link
2021 Telsa Model Y Performance Link
Both of the above are with AmeriCu.
Prior to these, I had a Model Y w/ PenFed and a Model S w/ CapEd.
The MRM is $79K so you need to get your total amount financed as far below that as possible, which seems difficult, given the MSRP and discount structure. One of the downsides of this program is that AFG will only update MRM once a year, since we are towards the end of year now, we can see gaps where the manufacturer increase MSRP but MRM did not.