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Financing an electric car

Low fixed interest from 3.5%

Electric driving: more and more people are making this dream come true. The purchase of an electric car is still more expensive than a petrol car, but after that you immediately benefit from lower operating costs. With us you can finance an electric car from a historically low interest rate of 3.5%. Simply online, without expensive advice and closing costs.

What are the pros and cons of an electric car?

The benefits of electric driving are becoming increasingly convincing:

  • No emissions, so better for the environment
  • Quiet and comfortable
  • Less monthly costs
  • You do not pay road tax
  • Fewer maintenance visits
  • You can drive up to half the price when charging at home
  • More and more public charging stations in your area

Of course there are also a number of disadvantages associated with electric driving:

  • The purchase price is higher (check the tips at the bottom for subsidies!)
  • Limited range
  • Charging takes longer than refueling
  • Charging requires planning because there are not yet charging stations everywhere

Possibilities to finance an electric car

  1. Of course, your own savings bank is the best and cheapest way to purchase an electric car. But not everyone has tens of thousands of euros for financing.

  2. Another option is leasing , but there are a number of drawbacks to this: you lose, among other things, claim-free years, breach of contract is expensive, private lease limits the taking out of a mortgage and in the end the car is still not yours. The greatest importance of lease companies is furthermore to get as many lease cars on the road as possible, not to let you borrow responsibly.
    More information about leasing? Check the tips for buying an electric car further down this page.

  3. Financing through a Personal Loan. The big advantage of such a loan with a decent interest rate is that you do not run any risks with leasing companies or lenders with high interest rates of up to around 7%. The car is also yours immediately with a Personal Loan. In addition, your own electric car can give you a tax advantage as a private individual.

What is the average loan amount for an electric car?

An electric passenger car with a minimum range of 120 km costs an average of 12,000 - 45,000 US dollars.
The average loan amount for an electric car is US $ 30,000 and will be repaid within 5 years.

electric car

Personal loan

A Personal Loan can certainly be interesting for the financing of an electric car. As long as you can bear the monthly costs. With a Personal Loan, the loan amount, the term and the interest are determined in advance. That is why there are no nasty surprises afterwards. It gives you the safety and security to borrow money as responsibly as possible.

  • Fixed low interest rate from 3.5% - Lowest in the Netherlands!
  • The interest is fixed for the entire term
  • Borrow a fixed amount from € 5,000
  • Fixed term
  • Fixed monthly installments
  • Always pay extra without penalty
  • Secure, responsible and affordable online closing

Why borrow from us?

  • Lowest fixed interest from 3.5%
  • Request a quote without obligation and free of charge
  • With one request a complete range of 5 sofas in one overview
  • Compare interest, conditions and payment date in one overview
  • You will receive a realistic offer
  • Fast, error-free and inexpensive
  • Always pay off penalty-free
  • Money back guarantee!

8 Tips for purchasing an electric car

  1. Be careful with borrowing money from the dealer. The dealer has an interest in selling the car. If you have to borrow money from him for the electric car, you therefore have less financial room to negotiate and the interest is higher.

  2. Be careful with leasing. Leasing has the advantage that you pay a fixed monthly amount and do not have to worry about maintenance, but there are also many disadvantages. Leasing is expensive with little use (less than 10,000 kilometers per year) but also with more kilometers than stipulated in the contract. And at the end of the contract, the car is still not yours. The AFM has made a proposal for a legislative amendment to market (private) lease more responsibly. This by placing lease - just like borrowing money - under the WFT (Financial Supervision Act). But we are not there yet.
    Leasing also often has age limits (75 years and 21/24 years).

  3. What is the range? Not every dealer clearly indicates the range, which is why it is often necessary to do your own research and ask carefully.
    In general, the range of an electric car is from 100 kilometers with a Smart to about 500 kilometers (or even more) with a Tesla.
  1. Is the term of the loan in balance with the useful life of the car? Most manufacturers give a warranty of 8 years. That's because the battery of an electric car is the most expensive part and lasts about 8 years. It is therefore a shame to take out a loan with a term of more than 8 years. Because who still wants to pay off a loan for a car that is no longer in optimal condition or even no longer in possession?

    EXTRA TIP: always ask for the conditions for battery replacement outside the warranty.
  1. How environmentally friendly is the electric car? The fact that electric cars have no emissions persuades many people.
    Yet there are still differences between the cars. For example, a hybrid has two forms of propulsion: the semi-hybrid variant is equipped with an electric motor that can support the fuel engine. A complete hybrid car automatically switches between electric motor and fuel engine. Hybrids therefore drive cleaner than vehicles with a combustion engine, but those who want to drive as environmentally friendly as possible should opt for a fully electric car.
    Green electricity completes the picture. The share of green electricity in public charging points can differ per municipality.
  1. What about the charging stations? There are 3 types of charging points: public charging points, fast charging points and home charging points. Check in advance whether there are public charging points in your area and whether there are subscription costs.
    What are the charging times? A public charging station needs about 4 hours to recharge the battery 100%. Fast charging stations (for example at petrol stations) bring the battery level back to 80% within 30 minutes. Please note that not every electric car is suitable for this type of charging station. A home charging point is connected to a separate power group. This type is very easy to request and sometimes it can even be done for free via the municipality .

  2. Including or excluding battery?
    Some electric cars are sold without a battery and are much lower in price. This should always be stated, but it is wise to ask for it yourself.
    Good to know: the battery can lose power during a second-hand car - usually 10% less range after every 250,000 kilometers.
  1. Subsidy possible from 1 July 2020. The purchase of an electric car is a lot cheaper from 1 July 2020. From that date, private individuals can apply for a subsidy for mid-range electric cars: USD 4000 for a new car or USD 2000 for a second-hand car. This makes financing an electric car increasingly feasible for many people. Often grants can also be applied for at local level .

    More information about subsidies, dated May 2020

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