Looking to finance an electric vehicle? At eCarz, we specialise in EV finance solutions tailored to your needs. Whether you’re buying a brand new electric car or a quality used EV, we can help you secure competitive rates and flexible terms through our trusted lender panel.
With EV demand growing across Australia, and fuel prices climbing, now is the perfect time to explore your options — and we’re here to make the process simple.
EV Finance from 6.99%* p.a.
Why Finance an Electric Vehicle?
Electric vehicles are becoming increasingly popular across Australia — and for good reason:
- Lower running costs compared to petrol vehicles
- Reduced maintenance requirements
- Government incentives and rebates (depending on your state)
- Growing range of models and availability
Financing your EV allows you to access these benefits sooner, while spreading the cost over manageable repayments.
Why Use an EV Finance Broker?
Incredibly high approval rate
Fast and easy loan approval process
Cheap loans at the lowest possible rates, customised to suit your circumstances
Less documents and time-consuming paperwork
Help for employed and self-employed loan applicants, with and without financials
Financing an electric vehicle can be different to traditional cars. Battery technology, resale value, and lender policies all play a role.
As a finance broker, we compare options across our lender panel to find the right solution for your situation — not just a one-size-fits-all loan.
Don’t waste time applying with multiple lenders—our EV car finance specialists make the process fast, efficient, and focused on your best outcome.
Our Top Lenders
Your Trusted Car Finance Broker!
At eCarz, we specialise in vehicle finance, ensuring a seamless process when purchasing a vehicle from any seller – private or dealership.
As a leading car finance broker, we make securing a private car loan quick and hassle-free, so you can drive away in your chosen vehicle sooner.
eCarz is the trusted car broker for all car refinancing and asset finance. Call 1300 378 387 or take our eligibility assessment today!
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Why Work with a Car Refinance Broker?
Refinancing your car loan can be a smart move, especially if interest rates have dropped, your credit has improved, or you simply want to reduce your monthly repayments. At eCarz, our experienced car refinance brokers specialise in helping you reassess your current finance and switch to a more competitive deal that suits your current financial situation.
As independent brokers, we’re not locked into one lender. We compare a wide range of refinancing options from trusted institutions to find one that better fits your needs. Whether you’re looking to lower your rate, shorten your loan term, or access equity in your vehicle, our team will handle the process from start to finish – without hassle or hidden fees.
Our goal is to make refinancing easy, fast, and worthwhile. We’ll assess your existing loan and provide a clear, obligation-free quote so you can make an informed decision.
With eCarz, a better car loan is just a conversation away!
Our car refinance brokers will get back to you within a few short hours with information on whether we can loan you for a new vehicle, boat, or piece of equipment.
*All finance quotes are supplied to you free and without any obligation.
Get a FREE car loan eligibility assessment and compare finance and leasing options without accessing your credit file.
*All finance quotes are supplied to you free and without any obligation.
Frequent Asked Questions
Yes! Many lenders in Australia offer finance for both new and used electric vehicles, not just brand-new models. In most cases, used EVs will need to meet certain criteria such as:
- Being under a certain age (typically 5–7 years old)
- Purchased through a dealer or approved seller
- Meeting the lender’s eligibility requirements for EV or “green” vehicles
As a broker, we can help you find lenders that are flexible with used EVs and match your situation.
Yes — while the structure is similar, EV finance often comes with additional benefits and considerations. Some lenders may offer more flexible loan features to encourage EV adoption.
This is because EV loans are often supported by government-backed initiatives and sustainability programs.
eCarz can help navigate these differences and find the best option for your situation.
Yes, refinancing is a common way to transition into an electric vehicle. This can involve:
- Paying out your existing loan
- Financing a new EV under a fresh loan structure
We can assess your current loan and help determine whether refinancing into an EV makes financial sense.
Determine Your Credit Standing
Buying the Right Car Made Easy
Interest rates and approval are largely influenced by your credit history. A low credit score could mean a higher interest rate or, worse, your car loan may not be approved. Here are some things that you need to check to clear out inaccuracies and potentially improve your credit score.
- Duplicate debts being listed.
- Fraud or identity theft.
- Incorrect debt amount.
- Being listed as in default by mistake.
- Even an incorrect name or address.
Note that free credit report providers use data from different reporting agencies so you may need to do some investigating if your score varies from one provider to the other.
This is where a car finance broker can help. Navigating through your credit report can be intimidating or even alarming if you do not know what to do.
You can get a copy of your credit report from these sources.
Flexible Loan Repayment Options
The amount of money you pay for your car loan every month is a big consideration. There are different options available, each with their own advantages.
This means that your monthly repayments could vary depending on the prevailing interest rates. If interest rates go down, your monthly repayment could go down as well and vice versa.
Repayments do not go down automatically though, so make sure to ask about it if you choose to have a variable interest rate.
This means that you pay a fixed amount for the entire term of the loan. This is great for budgeting since you know exactly what you will pay every month, but you won’t be able to take advantage of rate cuts either.
Balloon payments allow for a lower monthly repayment, but you will have to pay a certain lump sum at the end of the loan term. You also have the option to refinance the balloon payment if you do not have the amount ready.
Some lenders will allow you to make extra payments on your car loan. Depending on the type of loan you choose, this could potentially save you thousands of dollars in interest payments and you can pay off your loan early.
A few lenders will allow you to pay off your car loan early without charging early termination fees.