EV Loans NZ wide!

At Exceed Finance, we specialise in providing the best EV loans in New Zealand. We understand the unique needs of EV owners and offer finance options to suit your needs and goals.



Get interest rates on your EV loan from as low is 8.75% when you buy from a registered dealer. We also provide finance options for other new and used EVs as well as hybrid car loans. 



We have a variety of electric vehicle insurance options. If you’d like to protect your investment, talk to us about what kind of insurances we offer with our electric car financing options so you can feel safer on the road.


Submitting a simple online application with Exceed Finance could not be easier. Just fill out our online application form and submit the relevant documents.


Our quick processing times and flexible hours make it clear that you are our priority! We aim to get back to you within an hour, allowing you to enjoy fast approval!


Once your loan has been approved, we guide you along the next steps to get the best electric car finance NZ can offer so you can drive your dream EV away as soon as possible.

Electric Vehicle Loan Calculator

Use our easy EV loan calculator to get an idea of what your electric vehicle loan repayments may be or how much you can borrow for your electric vehicle finance.


*Interest rate is indicative range only. T&Cs, Fees, and lending criteria will apply. This calculation is a guide only, not a quote.

Ev car loan nz


Exceed Finance understands the importance of making electric vehicle financing easy and accessible for our valued customers across New Zealand.


That’s why we pride ourselves on providing a wide variety of reliable options for both new and used EV car loans. Trust us to help you make your eco-friendly dreams come true with hassle-free electric car financing solutions.


Apply online today with our easy electric car finance and EV loan application to get the ball rolling and let us do the leg work to get you on the road with your EV loan needs!

Electric Vehicle Loans Made Easy

With our easy online EV finance application process, you can apply for an electric car loan from the comfort of your own home. No more lengthy paperwork or waiting in queues – just a simple and straightforward process.


We believe that owning an electric vehicle should be affordable for everyone.


That’s why we offering competitive electric vehicle loan interest rates with various terms by tailoring your ev loan to suit your needs, ensuring that you get the best electric car loan deal possible!

Ev finance
ev car loan

EV Loan Pre Approval

Buying an electric car (EV) is a significant decision both financially and practically. It often involves securing an EV car loan, which can sometimes feel like a daunting process. Thankfully Exceed Finance offers NZ EV car loan pre approval options which offers numerous advantages to streamline and simplify your electric car-buying journey.

  1. Know Your Budget: Pre approval helps you understand how much you can afford, narrowing down your electric vehicle choices to ones within your budget and also understand what your loan repayments are ahead of time.

  2. Saves Time and Effort: With an EV car loan pre approval in hand, you can shop with confidence knowing you’re qualified for a certain loan amount so you’re able to buy a used or new electric car as soon as you find the one you’re looking for. It also streamlines the purchasing process as you focus on EVs that fit within your financial scope.

Why Choose Exceed?

motorhome loan

Great rates

motorhome loan

Easy Application Process

caravan loan


motorhome loan


Caravan loan


We aim to work around your busy schedule!

caravan loan


Loans that fit your needs.



or dial

0800 2 EXCEED - 0800 239 2333

exceed finance
exceed finance

FAQ for Electric car financE

Electric Vehicle finance allows individuals to buy an EV without paying the full purchase price upfront. It includes options like EV car loans, whereas leases includes hire purchase agreements.


With an EV loan, you are able to buy your electric car now, and pay it off over time in repayments of weekly, fortnightly or monthly, depending on your own preferences. 


Additionally, an electric car loan can be paid off over different durations. You can pay your electric vehicle loan back over a matter of months or years. All of this affects now much your regular payments are on the finance for your EV loan, and it may also make changes to your electric car loan interest rates.


Exceed Finance has access to various leading lenders across New Zealand, which allows us to tailor finance for EV loans to each person’s individual needs and situations.

Eligibility for an EV car loan is influenced by factors such as your credit score, income, employment history, existing debts, and the amount of down payment you can make. Lenders assess these factors to determine the risk associated with lending.

Leasing involves paying for the use of an electric vehicle over a set period, while EV financing involves taking out a loan to purchase the car. At the end of a lease you typically return the EV, whereas with electric vehicle financing you own the car once you’ve paid off the loan.

A larger down payment can reduce the total amount you need to finance for your EV, potentially resulting in a lower monthly loan repayments or a shorter loan term. It can also improve your chances of securing an electric car loan and getting better EV loan interest rates.

Yes, most electric car finance agreements allow you to pay off the remaining balance early, potentially saving you money on interest. However, some agreements may include prepayment penalties, so it’s essential to review the terms of your contract.

The conclusion of your electric vehicle finance agreement depends on the type of agreement you signed. If you opted for an EV loan you’ll have complete ownership of the car once the vehicle loan is paid off. With a lease you typically have the option to return the electric car, purchase it outright, or trade it in for a new one, subject to the terms of the contract.