Easy Access to Lower Rate EV Electric Car Loans
To meet driver preferences, most manufacturers now have a low emission model in their range. But the pricing on hybrids and battery-electric models still averages higher than a comparable petrol or diesel model. With our lower rate funding, these models may be more affordable to more buyers.
As a broker we have access to more lenders and our customers enjoy the benefits. Making it easy for buyers to compare and access the lowest rates from across the motor vehicle lending market and a service to source the lowest quotes. Input the amount you want for your funding and the term to see the estimates based on the lowest rates we are currently achieving. Request a quote for a confirmed figure based on your application.
Easy Tip: Request a quote or apply before you buy to know your finance commitments ahead of time to assist with vehicle selection.
Easy Estimates
Electric Car Loan Calculator
Wondering what your low emission vehicle credit could look like? Wanting to compare different repayments on budget and luxury models? The easy way is to use our vehicle finance calculator.
Easy to access and easy to use, this handy buying tool is a great way to calculate estimates before requesting a quote, making an application or even committing to a vehicle purchase. Prices can vary significantly across the low emission vehicle market. The calculator makes it easy to compare estimates repayments on each price point to make decisions around which vehicle to buy.
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Business Electric Vehicle Finance
- Chattel Mortgage Electric Vehicle Finance: Widely used, suits cash accounting method, tax deductions through depreciation of the vehicle and lowest interest rate.
- Leasing Electric Vehicles: Off-balance sheet finance product that suits accruals accounting method and includes tax deductible leasing payments.
- Commercial Hire Purchase for EVs: Suits both the accruals and the cash methods of accounting and tax deductions via depreciation schedules.
- Novated Electric Car Lease with Salary Sacrifice: Special option for a business owner to provide a vehicle for an employee with the employee sacrificing an element of their salary to cover costs.
- No Doc and Low Doc EV Business Finance: Specialised options for new and start-up businesses that do not have all the financial documentation to fulfill application criteria.
Business operators have the choice of a number of credit options for acquiring low emission vehicles for the enterprise. The decision as to which to select includes consideration of the accounting method used by the business; the approach taken to the balance sheet and taxation; and broader objectives for the business. It is advised that business owners refer to their accountant on the choice before requesting a quote from us.
To be eligible for business finance, applicants must have a current ABN but GST registration is not an essential requirement. Tax benefits can be realised on all types of business vehicle finance and these benefits vary across the selection. Balloon and residual options are available.

Easily Choose from All Types of EV Car Finance
Low emission, hybrid and batter-electric vehicles may have different power systems to petrol and diesel models, but the same credit products can be used to fund their purchase. The key difference in credit is whether the vehicle is for private or business use. The credit products for personal buyers and businesses are different. To be eligible for business financing, buyers must have an ABN and the vehicle must meet ATO rulings as a business asset.
We’ve made it easy for all buyers to use our services with the provision of both personal and business low emission vehicle funding products. Select your loan type and contact us for a quote.
All our offers for both personal and business low emission vehicle credit include:-
- Fixed electric car loan interest rates.
- Fixed finance terms for EVs.
- Fixed EV loan repayments.
- Lower electric car finance interest rates.
- No deposit loan options.
- Used electric vehicle finance.

Personal Loans for Electric Vehicles
Personal credit products are for buyers of vehicles which are for private use. Under Australian Credit Laws, individuals must be over 18 years of age to be eligible to apply for credit. Both secured and unsecured products are available and both may suit new and used vehicles and all types of buyers including those buying their first vehicle.
- Personal Secured Electric Car Loan: The most commonly used product where the vehicle is accepted as security against the credit. Suits many buyers and many low emission vehicles.
- Unsecured Personal Loan for EVs: An option where the vehicle is either not accepted as suitable security or not available as collateral against the credit. Other collateral may be required and a higher rate than secured options apply.

More Affordable EV Finance – All Makes and Models
Buyers can now select low emission models from across a large selection of manufacturers, body styles and price ranges. From the budget hatches and SUVs through to the luxury executive sedans, high-end large SUVs and work vehicles. The difference in body type and style does not affect the type of credit or using our services. We offer services for cheaper, more affordable funding to all buyers of all types of low and no emission makes and models.
- Easy access hybrid electric car loans.
- Cheaper PHEV Car Finance.
- Battery-electric car finance at lower rates.
- Electric SUV Loans.
Submit your details and details of your choice of low emission vehicle for the lowest rate funding quote – easy, quick and smart!
Easily Apply for an EV Car Loan – Private and Business Options
If you’re ready to commit to climate change with a battery-electric, PHEV or hybrid vehicle, contact Easy Car Finance for cheaper personal and business EV loans.
Frequently Asked Questions
EV Electric Car Financing
What is the difference between personal and business electric car finance?
There are different credit products for vehicles purchased for private use and for use predominantly in a business operation. To be eligible for business credit, applicants must have an ABN.
Are electric car loans the same for hybrids and battery-electric?
Yes. The same credit products are available for all types of low emission vehicles including PHEV, hybrids and battery electric.
Are interest rates for EV loans the same for petrol vehicles?
Interest rates on vehicle financing is determined primarily on the lender assessment of the applicant. This includes the credit profile and financials. The type of vehicle – low emission or petrol, should attract the same interest rate.
Is EV finance available for used vehicles?
Yes. Both new and used low emission vehicles can be purchased with financing.
Will my electric car loan interest rate be fixed or variable?
A fixed interest rate is available on all personal and business vehicle financing except for unsecured personal credit which may be either fixed or variable.
A fixed interest rate is available on all personal and business vehicle financing except for unsecured personal credit which may be either fixed or variable.
A balloon is an option on Chattel Mortgage and Commercial Hire Purchase. It is a percentage of the total amount of the financing, not including interest, which is set aside and due to be paid in full at the end of the financing term.
How can I compare Electric Car Leasing and Chattel Mortgage EV Finance?
Operators seeking to compare Leasing and Chattel Mortgage repayments can use a vehicle financing calculator for estimates.
What is required to apply for a Personal Secured Electric Car Loan?
Under Australian Credit Laws, applicants applying for personal credit products must be over the age of 18 years and provide a range of documents and details on the financials, employment status and other information.
Can I borrow the full purchase price of an electric car?
No deposit credit for low emission vehicles is available, subject to lender approval.
Are loans the same for budget and more expensive electric cars?
All credit applications are subject to lender assessment and approval. The same vehicle credit products apply for all priced vehicles. The interest rate and credit amount approved may vary with individual applicants.