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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-loan)
- [Car Loan](/secured-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/renovation-loan)
- [Holiday Expenses](/personal-loan/travel-loan)
- [Business Cash Flow](/personal-loan/business-loans)

## What customers say about ev loan

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · ProductReview (367)

> "Quick process, great loan rate and flexible repayment terms"
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> — William A., 11 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."
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> — 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"
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> — Anonymous C., 2 years 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., 1 year ago (Google), 5/5 stars

> "Always easy and fantastic results"
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> — Michael G., Yesterday (Google), 5/5 stars

> "I can't recommend Harmoney enough for their thorough yet simple process. They are the only ones willing to give me a second chance and consider my loan application. To those in desperate need, please consider this company – they are truly amazing, and I have no words to express my sincere gratitude for what they have done for me."
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> — Geraldine E., 6 days ago (Google), 5/5 stars

> "I had a really good experience with Harmoney from start to finish. The team was friendly, professional, and always happy to answer my questions. They took the time to work with their credit team and were able to negotiate a better interest rate for me, which I really appreciated.

The whole process was straightforward, communication was excellent, and I never felt pressured. They kept me updated every step of the way and made everything easy to understand.

Thanks again to everyone at Harmoney for all your help and support. I really appreciate everything you’ve done for me, and I’d definitely recommend Harmoney to anyone looking for a personal loan."
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> — Taio, 1 week ago (Google), 5/5 stars