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Is it the updated Model Y? There's a substantially improved Model 3 out, and the Y is following. Tesla has dropped the prices of their cars quite a bit over the last year or so in response to the EV market. What's their battery warranty? Being done with the car before the warranty is over is potentially worth a lot.
0% is worth something, depending on what you would have done without it. Other EV makers have some low APRs, and leasing is worth looking at (no loss at the end). I've had a couple of PHEVs- a Chevy Volt and a Volvo S60 T8, then several EVs- an Audi e-tron Quattro, a model 3, a Polestar 2, a Volvo XC40 Recharge, and another Polestar 2 to replace a totaled XC40. They've all served me well with zero or near zero problems. If you charge at home, they're a lot cheaper to drive than buying gas. If you have to charge the car publicly and wait, it's a different cost and equation.
You should be getting a $7,500 rebate or discount with the Y. I'm not sure if you get it on a Tesla lease, and if you have control over the lease end on the Tesla.
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