[Home](/) > [Loans](/loan/) > [EV Loan](/loan/ev-loan) > [$50,000](/loan/ev-loan/50000) > 7 years

# 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 39,386 reviews
ShopperApproved (37,113) · Google (2,098) · TrustPilot (175)

> "Outstanding service from start to finish! The loan application was seamless,with exceptional customer support guiding me every step of the way. Competitive rates and flexible repayment options made my experience even better."
>
> — Norm, Yesterday (TrustPilot), 5/5 stars

> "I was in abit of a jam with my vehicles but Harmoney was super fast an easy it’s put my mind at rest that I can get the repairs done an pay it back at a reasonable rate,meny thanks,
Antony Green "
>
> — Antony G., Yesterday (TrustPilot), 5/5 stars

> "Very fast, uncomplicated and competitive lending."
>
> — Emmylou T., 2 years ago (ShopperApproved), 5/5 stars

> "excellent, quick service,competitive rates. thoroughly recommend"
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> — April B., 3 years ago (ShopperApproved), 5/5 stars

> "Excellent service, very fast and easy to do online. Very competitive interest rates."
>
> — Ken B., 4 years ago (ShopperApproved), 5/5 stars

> "easy to use Harmony and flexible"
>
> — Joe M., 1 year ago (ShopperApproved), 4/5 stars

> "Great company, very efficient and so easy! Wonderful and helpful staff! Highly recommend!! "
>
> — Mandy, Yesterday (TrustPilot), 5/5 stars

> "Great service and outcome "
>
> — Customer, Yesterday (TrustPilot), 5/5 stars

> "You made a stressful situation so easy and seamless. Thank you for your dedication to the customer experience. Highly recommend you, glad I listened to the great recommendation from friends. The lowest interest rates thus far."
>
> — Too A., Yesterday (TrustPilot), 5/5 stars