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Electric Vehicles (EV’s)

EV’s or electric vehicles are vehicles that are either partially or fully powered on electric power. Electric vehicles have low running costs as they have less moving parts for maintenance and are very environmentally friendly as they use little or no fossil fuels (petrol or diesel).

With the launch of the NZ Government’s clean car discount scheme, buying new electric cars (EVs) will be eligible for a discount of up to $8625* from July 2021, as part of a government initiative to get more people into cleaner cars.

You can read more .

Kiwi Car Loans is dedicated to get you special rates with our reputed lenders to get you behind the wheel.

We will take you through the entire process from application to getting your new car.

Apply via our link below or get a :

*Vehicles must cost less than $80,000, including GST and on-road costs, and have a safety rating of 3 stars or more on the Rightcar website.

A couple signing finance documents

Who Can Apply

You can apply for finance with us if you fulfil these conditions:

  • You're a New Zealand resident or visa holder
  • You're over 18 years of age
  • Hold a valid New Zealand driver license
  • Have a regular income

What you need to apply

  • Valid driver license
  • Proof of address
  • bank statement less than 30 days old

See how affordable your dream is with our calculator


10.45% 19.95%

$143 Apply Now

* Interest rate is indicative range only.


10.45% 19.95%

$27,921 Apply Now

* Interest rate is indicative range only.

Protect yourself from the unexpected

We can arrange:

  • Payment Protection Insurance
  • Guaranteed Asset Protection
  • Mechanical Breakdown Warranties
  • Comprehensive Motor Vehicle Insurance

Additional Insurance Products are also available to help protect you and your new asset.

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We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is an EV car loan?

An EV or electric car loan is a lump sum of money that you receive from a financial institution for the purpose of buying an electric vehicle. This means you can purchase a new EV car immediately without having to save for months or even years. The loan terms are outlined in an agreement which highlights how much money is borrowed, the interest rate, monthly repayments and the length of the loan's term.

An EV car loan can either be secured, where you need collateral (an item of value) as security or unsecured, where you don’t need collateral but the lender may use factors like your credit rating to accept or decline the loan.

2. How does an EV car loan work?

An EV car loan begins with you deciding what EV vehicle you want to purchase and at what amount. Once you have picked a vehicle you then need to prepare the right documentation for the loan approval process. These documents include; proof of income (payslip), proof of residency (utility bill) and proof of identity (drivers licence). You can also use our to determine if you can afford the loan repayments and once satisfied you can apply online for an EV car loan. The financial lender then assesses your loan application and if approved you can take the lump sum of money and purchase your new EV car. It is then up to you to service or pay back the loan as stated in the loan agreement.

3. Who can apply for an EV car loan?

Kiwi car loans allow people who are either a New Zealand resident or visa holder, are over 18 years of age, hold a valid New Zealand driver licence and have regular income, to apply for an EV car loan.

4. Should you get EV car finance?

One of the main reasons for getting car finance is so you don’t have to wait months or even years to purchase a new EV vehicle. Especially with the increased price on EV vehicles at the moment it makes sense to use financial providers like Kiwi Car Loans to help you through the buying process. Not only that but there are other reason why EV car finance may be worth the extra cost:

Promptness = EV car financiers like Kiwi Car Loans operate fully online so getting a loan approved can happen in a short amount of time meaning you can get in your new car faster.

Lower rates & higher loan amounts = if you get a secured car loan then you may have access to higher loan amounts & low interest rates.

100% financing = also if you don’t have the money for any upfront costs you can get the lender to provide 100% finance.

Tax deductions = car loan finance for a business vehicle is tax deductible which can save you money.

Builds credit history & improves credit score = by getting EV car finance you can build a good credit history and credit score which helps with future financing agreements.

5. What interest rate do you charge?

At Kiwi Car Loans our interest rates vary depending on the individual applications. Factors that are considered in these interest rates are your credit ratings, how well you have paid off loans in the past, secondary income, etc. For further information today.

6. How do I calculate EV car finance repayments?

Kiwi Car Loans have created an EV to help you determine the total car loan repayments and how much you can borrow/afford. Check it out through the link above.

7. Can you sell or transfer an EV car under finance?

If your EV car finance is secured and the collateral is the car you are purchasing then you will need to liaison with your finance provider. If the collateral is something other than the car you're purchasing then you can sell the car as normal. It is important to note that the full amount of the loan will still need to be repaid.

For an unsecured EV car loan you can sell the car as normal, but again you will still need to repay the car loan in full.

8. What does refinancing a car EV loan mean?

When interest rates have decreased, you can save money by refinancing your EV car loan. What this means is that you replace your current loan with a new loan from a new financial provider who has lower interest rates than your current provider. You can also reduce the length of your loan by following the same process. We would advise you to consult with a like the ones at Kiwi Car Loans before making the move.

9. How long does it take to get an answer?

We aim to get back to you within a couple of hours. If you would like to discuss your application urgently, please call us on .

10. Do you offer no-deposit EV car loans?

Yes, we certainly offer no- deposit EV car loans, apply or contact us on .