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2022 Tesla Model 3 SR

  • 64,000 km
  • Electric
  • Automatic

ISK 3,990,000

20.4% below estimateEstimate ISK 5.01M

Price scale: asking price ISK 3,990,000, estimate ISK 5,012,408, likely range ISK 4.52M to 5.56M.

Open on Bílasölur.is(opens in a new tab)

Bílasölur.isListed Nov 4, 2026

Car loan example

Price check

Check another car

ISK 3,990,000 is 20.4% below estimate. That is a good buy.

High confidence

Based on 2022 Model 3 cars (37) · Likely range: ISK 4.52M to 5.56M · Estimate: ISK 5,012,408

About the car

First registered
12/2022
Mileage
64,000 km
Fuel
Electric
Gearbox
Automatic
Drive
Rear-wheel drive
All Tesla Model 3 for sale and prices by model year

Costs

Car loan example

Monthly payment, APR and the whole example

About ISK 56,700 a month

APR 13.0%

Representative example

Price
ISK 3,990,000
Down payment
ISK 798,000
Loan for the car
ISK 3,192,000 (80% of the price)
Arrangement fee, added to the loan
3.20% (ISK 102,144)
Registration fee, added to the loan
ISK 1,500
Total loan amount
ISK 3,295,644
Term
7 years
Interest rate
10.95% variable
Credit assessment
ISK 7,000
Payment fee
ISK 395 with every payment (electronic notice)
Monthly payment
ISK 56,738 including the payment fee
Total amount payable
ISK 4,772,992
Total cost of credit
ISK 1,579,492
Annual percentage rate (APR)
13.0%
  • The arrangement fee and the registration fee are added to the loan, as the lenders do.
  • Lenders require third-party and comprehensive insurance; its premium is not in the APR.
  • Rate and fees from a lender's price list valid from Aug 20, 2026; other lenders' terms may differ.
  • We do not lend money or arrange loans; the lender sets the terms.

Lenders' terms

The same loan at each: ISK 3,192,000 over 7 years, at the rate and fees in each lender's published price list.

  • Arion bankiAbout ISK 55,800 a month

    Rate 10.85% · APR 12.3% · total cost of credit ISK 1,491,168

    See the terms Arion banki
    Price
    ISK 3,990,000
    Down payment
    ISK 798,000
    Loan for the car
    ISK 3,192,000 (80% of the price)
    Arrangement fee, added to the loan
    1.55% (ISK 49,476)
    Total loan amount
    ISK 3,241,476
    Term
    7 years
    Interest rate
    10.85% variable
    Payment fee
    ISK 505 with every payment (electronic notice)
    Monthly payment
    ISK 55,752 including the payment fee
    Total amount payable
    ISK 4,683,168
    Total cost of credit
    ISK 1,491,168
    Annual percentage rate (APR)
    12.3%
    Arion banki: car loans(opens in a new tab)
  • ErgoAbout ISK 55,900 a month

    Rate 11.00% · APR 12.8% · total cost of credit ISK 1,535,192

    See the terms Ergo
    Price
    ISK 3,990,000
    Down payment
    ISK 798,000
    Loan for the car
    ISK 3,192,000 (80% of the price)
    Arrangement fee, added to the loan
    1.55% (ISK 49,476)
    Registration fee, added to the loan
    ISK 1,500
    Total loan amount
    ISK 3,242,976
    Term
    7 years
    Interest rate
    11.00% variable
    Document fee
    ISK 25,000
    Credit assessment
    ISK 7,000
    Payment fee
    ISK 385 with every payment (electronic notice)
    Monthly payment
    ISK 55,913 including the payment fee
    Total amount payable
    ISK 4,728,692
    Total cost of credit
    ISK 1,535,192
    Annual percentage rate (APR)
    12.8%
    Ergo: car loans(opens in a new tab)
  • LandsbankinnAbout ISK 56,300 a month

    Rate 11.10% · APR 12.6% · total cost of credit ISK 1,533,316

    See the terms Landsbankinn
    Price
    ISK 3,990,000
    Down payment
    ISK 798,000
    Loan for the car
    ISK 3,192,000 (80% of the price)
    Arrangement fee, added to the loan
    1.625% (ISK 51,870)
    Registration fee, added to the loan
    ISK 3,800
    Total loan amount
    ISK 3,247,670
    Term
    7 years
    Interest rate
    11.10% variable
    Payment fee
    ISK 520 with every payment (electronic notice)
    Monthly payment
    ISK 56,299 including the payment fee
    Total amount payable
    ISK 4,729,116
    Total cost of credit
    ISK 1,533,316
    Annual percentage rate (APR)
    12.6%
    Landsbankinn: car loans(opens in a new tab)
  • LykillAbout ISK 56,700 a month

    Rate 10.95% · APR 13.0% · total cost of credit ISK 1,579,492

    See the terms Lykill
    Price
    ISK 3,990,000
    Down payment
    ISK 798,000
    Loan for the car
    ISK 3,192,000 (80% of the price)
    Arrangement fee, added to the loan
    3.20% (ISK 102,144)
    Registration fee, added to the loan
    ISK 1,500
    Total loan amount
    ISK 3,295,644
    Term
    7 years
    Interest rate
    10.95% variable
    Credit assessment
    ISK 7,000
    Payment fee
    ISK 395 with every payment (electronic notice)
    Monthly payment
    ISK 56,738 including the payment fee
    Total amount payable
    ISK 4,772,992
    Total cost of credit
    ISK 1,579,492
    Annual percentage rate (APR)
    13.0%
    Lykill: car loans(opens in a new tab)
  • Rates and fees are from the lenders' published price lists, read Nov 2, 2026. A lender may add a margin to the rate after its credit check.
  • The arrangement fee and the registration fee are added to the loan, as the lenders do.
  • The total cost of credit and the APR include the arrangement fee, the document fee and the credit assessment where the price list names them for a car loan, and the payment fee with each payment (electronic notice). The registration fee is a public fee and not counted as a cost of credit.
  • An example for comparison, not a promise of a loan: the lender decides whether and on what terms it lends. We have no partnership with any lender and send them nothing about you.

Running costs a year

Vehicle tax, the per km fee and fuel at your own driving

Enter the car's consumption to see the energy cost.

Vehicle tax (bifreiðagjald)
ISK 42,520
Per km fee (kílómetragjald)
ISK 104,250
Insurance
Depends on the insurer
Total of what is worked out
ISK 146,770
  • Vehicle tax: an electric car pays the minimum, ISK 21,260 for each half year (law 39/1988; Skatturinn, Nov 2, 2026).
  • Per km fee: ISK 6.95 per km for passenger cars with a permitted total weight up to 3,500 kg, from Jan 1, 2026 (Skatturinn, Nov 2, 2026).
  • Electricity: ISK 22.13 per kWh at home, the energy price (the sellers' average, Aurbjörg, Nov 2, 2026) and distribution (Veitur, tariff from Apr 1, 2026).
  • Insurance is not priced: insurers publish no prices, and it depends on the car and on you.

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