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# Finance an electric vehicle

Harmoney offers two ways to finance an electric vehicle. A secured car loan {{secured.rate_min_pct}}%–{{secured.rate_max_pct}}% p.a.{{#au}} ({{secured.comparison_rate_min_pct}}%–{{secured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}} or an unsecured personal loan {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{unsecured.establishment_fee_formatted}}.{{/nz}} Both have $0 early repayment fees and $0 monthly fees.

Electric vehicles have a higher upfront cost than their petrol equivalents, but lower running costs over time. Whether you are buying a new EV or a used one, Harmoney can help with the purchase price. A secured loan offers a lower rate with the vehicle as collateral. An unsecured loan gives you flexibility with no PPSR registration requirement. Either way, your rate is fixed and there are no early repayment fees — so if the running cost savings let you pay it off sooner, you can.

## Available products

- [Personal Loan](/personal-loan)
- [Car Loan](/car-loan)

## Popular purposes

- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Debt Consolidation](/personal-loan/debt-consolidation)
- [Home Improvements](/personal-loan/home-improvement-loan)
- [Holiday Expenses](/personal-loan/holiday-loan)
- [Business Cash Flow](/personal-loan/business-loan)

## What customers say about ev loan

4.8 out of 5 from 20,936 reviews
ShopperApproved (18,693) · Google (1,876) · ProductReview (367)

> "Quick process, great loan rate and flexible repayment terms"
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> — William A., 9 months ago (Google), 5/5 stars

> "VERY EASY AND RESPONSIBLE CUSTOMER TEAM, COMPETITIVE INTEREST RATE"
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> — Vijayaraj K., 3 years ago (Google), 5/5 stars

> "Really quick and easy transaction and extremely competitive interest rates."
>
> — Nicholas C., 4 years ago (ShopperApproved), 5/5 stars

> "Very competitive rates and easy to use system"
>
> — Robert, 2 years ago (ShopperApproved), 5/5 stars

> "Very flexible with repayments and very recommended to others"
>
> — Anonymous C., 1 year ago (ShopperApproved), 5/5 stars

> "So easy and fast response thank you in time of need ! Competitive rates and now on my second loan using harmony highly recommend."
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> — Renee T., 11 months ago (Google), 5/5 stars

> "Easy and straight forward application process."
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> — Paul F., 2 weeks ago (Google), 5/5 stars

> "Fast, effective and great customer service"
>
> — Walter B., 2 weeks ago (Google), 5/5 stars

> "WOW, what a great experience - applied and approved in 20 minutes - Amazing - Thank you Harmoney - Highly Recommend"
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> — Robert H., 2 weeks ago (Google), 5/5 stars