EV Loan & Finance.
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Drive Your Future with an Electric Vehicle.
Broker of The Year
2021 & 2022
5 Star Rating
From 364+ Customers
EV Finance, Simplified
At Rostron New Zealand, we believe in a sustainable future, and what better way to contribute than with an electric vehicle (EV)? With government initiatives and increasing interest in clean, green transportation, now is the perfect time to invest in an EV. To help you get behind the wheel, we offer EV loan and financing solutions nationwide, designed to suit your budget and needs.
What is an EV Loan?
An EV loan is a financing product specifically designed to help you purchase an electric vehicle. It works just like a standard car loan — you borrow the amount you need, agree on a repayment term and interest rate, and pay it back in regular weekly, fortnightly, or monthly instalments. You choose the car. We find the best lender. You get the keys. Rostron handles the complex stuff, such as negotiations, paperwork, and lender matching — so you can focus on your first electric drive.
Vehicles Eligible for an EV Loan
Here's what Rostron can finance under our EV loan product.
Full Electric Cars (BEV)
100% battery powered — no fuel, no emissions. Brands like Tesla, BYD, Hyundai Ioniq, MG ZS EV, and more.
Plug-in Hybrid (PHEV)
Runs on electric for short trips, petrol for longer journeys. Includes models like the Mitsubishi Outlander PHEV and Toyota RAV4 Prime.
Hybrid Electric (HEV)
Petrol engine supported by an electric motor. Self-charging — no plug required. Toyota Corolla Hybrid, Honda Jazz Hybrid.
New or Used
Both new vehicles from dealerships and second-hand EVs from private sellers or platforms like Trade Me are eligible.
EV Loan Eligibility
You're likely eligible if...
- You are 18 years of age or older
- You are a New Zealand citizen, permanent resident, or hold a valid visa
- You have a regular income (employed, self-employed, or receiving benefits)
- You hold a valid New Zealand driver's licence (for car loans)
Not sure if you qualify? Rostron has a 95% approval rate. Speak to one of our brokers before assuming you won't get approved.
Quick Application in
4 Easy Steps.
Instant Finance Pre-Approval with no impact on your credit score.
Quick Calculator
Instantly calculate your loan options with our smart online calculator
Real Quote
Instant Finance Pre-Approval with no impact on your credit score.
Instant Preapproval
Our powerful lender matching engine will match you with suitable lenders.
Apply to Lender
The fastest ever finance experience! Rostron’s Quick Apply supports direct-to-lender submissions
Secured vs Unsecured — What's the Difference?
Secured EV Loan
The vehicle is used as security for the loan. Because the lender has an asset backing the debt, interest rates are typically lower. Most popular choice for EV purchases.
Unsecured Personal Loan
No asset used as collateral. Rates may be slightly higher, but you retain full ownership of the vehicle from day one. Suitable for older or private-sale vehicles.
Refinancing an Existing EV Loan
Already financing an EV elsewhere? Rostron can help you refinance to a better rate. We'll compare your current terms against what's available today and find the savings.
Why Finance Your EV Through Rostron?
75+ Lenders in One Place
Rostron connects you to over 75 of NZ's top banks and finance providers.
Pre-Approval in 60 Seconds
Our smart matching engine works fast. Most applications get pre-approved within 60 seconds
We Negotiate for You
Our brokers negotiate directly with lenders on your behalf
End-to-End Service
No handoffs, no leaving you to figure it out on your own.
100% Online Process
Everything is done digitally. No printing, no faxing, no branch visits.
Award-Winning Brokers
Rostron was named Broker of the Year in 2021 and 2022.
It’s kinda hard not to love us
“Rostron helped throughout the whole process of financing my car and also helped with insurance.”
Hannah Clare
“I had the confidence I was getting the best deal. Rostron provided a really simple & smooth process”
Ryan Lee, Kerdic Homes Pty Ltd
Our experience with ROSTRON has been incredible!
This is the first time I have used any external finance broker for any sort of loan. I was always skeptical of using external companies and always preferred to deal directly with banks. But I can definitely say Rostron Finance...
Exceptional Service at Rostron Finance!
Massive thank you to Alexander! The customer service through the entire process of buying a new car has been incredible. Alexander was open, honest and so helpful, you felt like he was going above and beyond to help you. You didn’t feel like just another sale, like how some dealerships make you feel. Honestly ask for Alexander to help you with your finance!
Navigating Financial Solutions with Rostron!
Thank you Hamish from Rostron for absolutely amazing customer service and wealth of knowledge in sorting out our business car loan. Exceptionally fast responses to all our inquiries, attention to detail in preparing our documents, very knowledgeable approach. We dealt with Rostron Finance few times now and each time service exceeds our expectations.
A Five-Star Experience with Rostron's Professional Team!
I had a fantastic experience with Hamish in sorting out my loan for my car. Every question I could think of had an answer, if I had an alternate suggestion, he would hear me out and we would work from there.
Legitimately, I can't sing his praises high enough, and by extension, the company as well.
Exceptional Solutions at Rostron Finance!
I found Rostron Finance via a random google search and it had me intrigued as to why so many great customer experiences (especially with a person named Harrison). Funnily enough, my contact WAS Harrison and from my first contact with him it gave me insight as to why all the brilliant reviews. I can easily say that Harrison's service, attitude, knowledge, expertise and genuine time is first class. Although we didn't get the result we wanted, Harrison went above and beyond. It made the whole experience just that better.
Thank you Harrison, you are a gem!
Top Notch Service with Rostron Finance!
Excellent service from Rostron! Patrick was super helpful and very efficient. From the initial application through to settlement, which only took a couple of days, Patrick was great to deal with. Highly recommend!
Secure Your Future Today
With our comprehensive insurance cover, peace of mind is just a policy away.
Comprehensive Insurance
Comprehensive insurance, refers to a comprehensive coverage policy that offers extensive protection across various domains. It is a type of insurance designed to provide all-encompassing financial security in specific areas, such as health, property, or business. Comprehensive insurance typically covers a wide range of risks and scenarios, ensuring policyholders are well-prepared for unexpected events and potential losses.
Shortfall Gap Cover
Shortfall Gap Cover (Also known as GAP) covers you in the event that your vehicle is written off. Gap cover is recommended for anyone that is financing a large portion, if not all, of their vehicle and is taking out comprehensive insurance. Speak to one of our Rostron Finance specialists about the different covers, exclusions and maximum claim limits before making a decision if this is right for you.
Loan Protection
Protect yourself from missing a payment and damaging your credit history. We understand that taking out a new loan can be a big commitment for some people and if something was to happen to you it could put you into financial hardship. Speak to one of our Rostron Finance specialists about Loan protection today.
Mechanical Breakdown Insurance - Commonly referred to as (Extended Warranty)
Navigate the roads with confidence, knowing that Rostron Finance Motor Vehicle Breakdown Insurance has you covered. Whether it's a sudden engine hiccup or a flat tire, our comprehensive coverage ensures you'll never be stranded, offering a reassuring layer of financial protection for your automotive journeys.
Most Common Questions About Electric vehicles Finance in NZ
Electric vehicle finance is a loan used to buy an electric vehicle, also known as an EV. You repay the loan over time with interest.
Yes, you can usually get finance for a used EV, depending on the lender, vehicle age, and condition.
Not always. Some lenders may offer no-deposit EV finance, but having a deposit can help reduce your repayments.
They are similar to standard car loans, but some lenders may offer special rates or finance options for electric vehicles.
Yes, businesses, tradies, and fleet owners can apply for EV finance for work vehicles or company cars.
Yes, self-employed applicants can apply, but they may need to provide bank statements, income proof, or business details.
Some lenders may consider bad credit applications, but the interest rate may be higher and approval conditions may be stricter.
Yes, pre-approval can help you understand your budget before shopping for an electric vehicle.
Many lenders allow early repayment, but some may charge an early repayment fee. It is best to check before signing.
Compare the interest rate, loan term, fees, repayment amount, lender reputation, and total loan cost before choosing a finance option.
