Tesla Adds Interest-Free Payment Plan to Tesla Shop - FSD Payment Plan Next?

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Tesla has added payment plan options to its shop items for the first time. They’ve partnered with Klarna, a deferred payment provider, to spread the cost of items across multiple payments. For now, this appears to be limited to the Tesla Shop in the United States—no support for other regions quite yet.

Payment Options

Klarna’s primary payment option allows buyers to get 0% APR for 6 weeks, with 4 payments. The payment schedule is essentially one payment every two weeks for whichever product you buy - enabling you to buy now, and pay later with 0% financing.

For example, the payment schedule for the $420 Wall Connector is evenly divided into four portions. Of course, you’d also have to pay for shipping and taxes, both of which will be included in your first payment.

For some of Tesla’s more expensive Shop options - like the Cybertent, this could be a fantastic means for some owners to pick up something more expensive without having to worry about interest charges on their credit card.

Klarna also offers some other payment schedules, which do have interest. While these are far more expensive and are more like credit cards, they still provide buyers a means to buy now and pay over time. These are all open loans as well, so you can pay them down at a faster rate, thereby reducing the overall interest.

FSD Payment Options?

We’d love to see an equivalent payment option available for Tesla’s FSD purchase, which is currently $8,000, even if it's bought after the vehicle purchase. The high upfront cost is likely one reason why Tesla’s FSD subscription is so popular.

It’s likely that purchasing FSD is much more popular at the time of vehicle purchase, as owners can roll the cost of FSD into their financing rather than paying the full $8,000 later on.

IPO Filing

Interestingly enough, along with today’s news that Klarna is working with Tesla, Klarna has also filed for an IPO in the United States. It is one of the first financial tech (FinTech) companies to file for an IPO in 2025 and, interestingly, one of the first European companies to conduct an IPO in the United States.

For those who trade in the financial sector, this will be one to watch—Klarna was valued at around $46 billion in 2021 and is now valued at approximately $15 billion. Partnering with a large and well-known brand like Tesla could uplift Klarna, but that’s all financial speculation.

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Tesla Update 2025.20 Tear Down Reveals Grok Personalities and Icons

@greentheonly on X

While most automakers are adding basic and un-integrated AI assistants to their vehicles, Tesla appears to be working hand-in-hand with xAI to build out an entire cast of characters for in-vehicle Grok. In the latest dive into Tesla’s firmware, Tesla hacker @greentheonly uncovered a few new details about the upcoming Grok feature.

This discovery, part of a larger batch of changes found in Tesla update 2025.20, also offers a hint at the hardware required for the Grok.

A Dozen Groks

While we knew from previous firmware teardowns that Tesla was adding various Grok personalities to the vehicle UI, this update introduces a new one called Language Tutor, which may allow users to learn and practice a new language. 

These are the different personas that will be included in Grok:

• Argumentative

• Assistant

• Conspiracy

• Doctor

• Kids’ Stories

• Kids’ Trivia Games

• Meditation

• Motivation

• Romantic

• Sexy

• Storyteller

• Therapist

• Language Tutor

• and the Grok Classic - Unhinged Mode

Release Date

Icons for these personalities have been added to the firmware for the first time, leading us to think Tesla is getting close to releasing the feature. However, even after the feature is developed and included in vehicle software, Tesla may only enable it selectively — such as for select employees for testing.

Grok is expected to be one of the largest vehicle features added via a software update, so it’ll be a big deal when it’s finally released. While we know more or less what to expect from Grok, what we don’t know is about vehicle requirements or whether it’ll require a subscription beyond Premium Connectivity.

Grok Requirements

While subscriptions required are anyone’s guess, vehicle requirements may be a little clearer now, thanks to Green’s discovery that Grok is only being added to AMD-based vehicle software builds.

Unfortunately, this likely means that older, Intel-based vehicles will not receive Grok support, at least for the time being. When Tesla introduced a voice assistant in China, they also started off with AMD-only support but later added Intel support, so it’s possible that the same could happen with Grok.

Energy Saving

Green also found a new undocumented navigation feature in 2025.20.3. This one focuses on leveraging Tesla’s vast amounts of data in an interesting way and offers drivers proactive advice to save energy on a well-traveled route. 

In the Energy App, your vehicle will display, “This route is typically driven at X mph. Slow down by Y mph to save Z% for the rest of this trip.’ 

As you can see in the photo below, Tesla recognizes that vehicles typically drive at 66 mph on the route being driven and offers the driver the option to go five mph slower to save 1% of range. While this example doesn’t provide much incentive to slow down, it could be useful for someone with a low state of charge or if the savings are more significant.

The new line in the Energy App

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In the future, Tesla could even use this, alongside the road surface data they’re gathering, to help plan routes for Robotaxi and Unsupervised FSD.

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NHTSA to Streamline Approvals for Control-Free Vehicles Like Tesla’s Cybercab

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In a letter to industry, the National Highway Traffic Safety Administration (NHTSA) has announced that it is overhauling its approvals process for vehicles designed without human controls.

The change addresses a regulatory bottleneck that has slowed down American companies like Tesla from deploying purpose-built Robotaxis, rather than relying on using traditional vehicles with steering wheels and pedals. The policy shift is outlined in a letter posted to the NHTSA’s website, which you can find here.

Reducing Approvals From Years to Months

Under the existing rules today, any vehicle that is built without a steering wheel or brake pedals must receive a special exemption from federal safety standards.

Obtaining exemptions for a particular vehicle was a time-consuming process for both the companies requesting exemptions and the NHTSA. The process was often a black box—nobody knew when an exemption might be granted, and approvals could take years.

The NHTSA, under the new administration’s guidelines for autonomous vehicle development, is now committed to streamlining this process. The agency will be implementing a new, faster approach immediately for receiving exemptions for autonomous vehicles without standard controls. The NHTSA expects decisions on exemption requests to be determined within months rather than years. 

Accelerating the Cybercab

This change has massive implications for Tesla, which is banking on the production of the simplified and easy-to-maintain purpose-built Cybercab. The Cybercab is developed from the ground up as an autonomous Robotaxi and will be one of the key beneficiaries of this move by the NHTSA.

Knowing that a final design won't be caught in a multi-year regulatory limbo provides a level of certainty that has been missing. It allows Tesla to confidently plan the manufacturing, development, and deployment processes without worrying whether the project will get stuck in regulatory approvals.

According to the letter, the agency will publish its improved instructions for the streamlined process "shortly." With Tesla already having begun Cybercab pre-production and the goals for its deployment as soon as late 2026, there’s still a lot to be done to make autonomy a part of Tesla’s new sustainable abundance mission statement.

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