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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 {{currency_symbol}}{{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-loans)
- [Car Loan](/secured-loans)

## Popular purposes

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

## What customers say about ev loan

4.8 out of 5 from 20,986 reviews
ShopperApproved (18,693) · Google (1,925) · ProductReview (368)

> "I had a fantastic experience with Harmony. The entire finance process was easy, straightforward and completely hassle-free. I received an awesome interest rate for my car, was approved within minutes, and the funds were in my account overnight. I couldn’t be happier with the service and would highly recommend Harmony to anyone looking for fast and affordable finance."
>
> — Bob B., 1 week ago (Google), 5/5 stars

> "Honestly never had a better experience. Got a car loan. Application reviewed in a few minutes and got the money lest than 10 minutes. The whole process took less than one hour and I got the best rate. Highly recommended"
>
> — Reza A., 2 weeks ago (Google), 5/5 stars

> "We refinanced our car loan with Harmoney recently. Their website and virtual process was so easy to follow. End result was a much lower fixed interest rate with no application fee without the need to speak to a consultant. Well done Harmoney and thanks heaps!"
>
> — Evan C., 1 week ago (Google), 5/5 stars

> "OMG!! Harmony are the ultimate best, the application process is excellent, easy, fast, just need to have all you information ready to answer questions and have your ID. Now I will be able to purchase the car I want with ease thanks to Harmony. It’s all in the name Harmony, it was nothing but harmony using their application process and I will definitely use them again in the future. Thank you Harmony 🩷"
>
> — Tina M., 1 month ago (Google), 5/5 stars

> "The application process was extremely easy and fully automated. I was offered a competitive rate no other finance provider could match. The best part was that I have received the funds for my car loan immediately and then registered the car as a security once the purchase was finalised. I couldn't imagine this process being any faster or easier."
>
> — Helge K., 1 month ago (Google), 5/5 stars

> "Quick and easy, so I am not going to miss out on the car we want"
>
> — Nicole M., 3 years ago (ShopperApproved), 5/5 stars

> "Fast efficient service"
>
> — Mario M., Yesterday (Google), 5/5 stars

> "Amazing experience. Friendly staff, quick turnaround times, easy and smooth application submission process. Couldn't recommend more highly"
>
> — Lisa W., 6 days ago (Google), 5/5 stars

> "Very good and very happy with the results and God bless"
>
> — Baptista L., 1 week ago (Google), 5/5 stars