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7 min read Published 27 February 2023
Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ins and outs of securely using loans to buy a car.

The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances with clear, well-researched information that breaks down otherwise complicated topics into bite-sized pieces.

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Financial burdens of ownership starting from the first purchase until fueling up at the station, has reached record levels for drivers over the course of the year. While gas prices have crept down -- a gallon averaged $3.38 in February. 24 as per AAA -the cost of financing a car is becoming more expensive as . Drivers pay an average of $700 per month for new car financing, and $525 for used in the third quarter of 2022's calendar, . With steep costs to fill with fuel and pay for, and the constant worries about climate change, many motorists are searching for an alternative solution. Perhaps you're asking "Should I purchase an electric car?" And you wouldn't be the only one. Electric vehicles (EV) sales have jumped over the last few years and TransUnion predicts that the market share for EVs will increase to . But the expensive upfront cost of electric vehicles might not be right for every driver. Do I need to buy an electric vehicle? The decision to purchase an electric vehicle is one that should be considered with the same care as choosing the model and make of the next vehicle. For some, the ease of paired with minimal maintenance will make the expensive cost worth it. "From the point of view of a pure consumer standpoint, purchasing an electric vehicle will be positively uplifting," says Brian Moody who is executive editor at Autotrader. "In addition, the driving experience of electric cars is very rewarding. The acceleration is faster and electric vehicles come with interesting features such as the ability to heat up or cool down your car's interior before you hit roads." If not a full EV, a hybrid or plug-in model could be more efficient than conventional gas models, while costing less than an EV. According to Moody states, they are more likely to have a lower price tag and "function as an electric car for everyday use with gas being used only for long journeys." This is why they are a good choice for people who want to drive electric, but aren't ready to commit fully. The market for electric cars has seen great innovation over the past two years and is expected to continue to grow. Although upfront costs have historically been high, they're dropping as more options become available and legacy brands dive into the market for electric cars. In the U.S. auto market is shifting toward electric Record-high gas prices might have helped boost sales of electric cars. Electric vehicles accounted for 5.7 percent of new car registrations in Q2 2022, according to . That may not seem big, but it's a notable improvement from the 1.5 percent share that electric vehicles accounted for in the second quarter of 2018. The increasing interest in electric vehicles has resulted in advancements in available financing, including and tax credits. This increased market is one of the primary reasons to consider buying an EV. While Tesla currently dominates the market, TransUnion predicts the luxury brand will fall of the percent of market in 2025 due to the number of new and mainstream models that are entering the market. Moody shares a similar perspective in relation to vehicle availability. "It was the norm that there was only few small or very expensive electric vehicles. Although EVs are more expensive overall however, certain models are more reasonably priced. For instance, Kia EV6 and Chevrolet Bolt. Kia EV6 and Chevrolet Bolt." The Nissan Leaf is another cost-effective alternative to EVs. EV drivers have almost identical credit profiles to those driving luxury Satyan Merchant Senior Vice President and business leader for automotive at TransUnion, has seen increasing the popularity of EV financing and a subsequent influence on the entire auto finance industry. TransUnion's 2022 research found that of the 33 million people between 2019 and 2021 who took out new EV and traditional car loans, most EV borrowers had nearly identical credit profiles as those who drive luxury automobiles. The people who drove conventional EVs held an average credit score of 775, which falls into the category of prime. They also had an average APR of 2.8 percent. This is less than the median APR which was 4.9 percent on all new cars for those with a prime credit score. The low average APR for electric vehicles isn't only because of the credit profiles of these drivers. The buyers are also generally making . The study also showed the drivers are more inclined to commence their . In actual fact, more than one-third conducted online research on vehicle types and makes. Merchant says, "Our research clearly shows that consumers of electric vehicles have great credit risk profiles, however this group also has varying preferences, including a larger appetite in shopping around for financing of vehicles through digital channels." This increased demand will likely be reflected in new choices for EV financing, as well as an expansion of available vehicles expected within the next few years. The options for green financing are growing. This expanding demand for electric cars has brought about improvements in financing. While it is true that motorists can use or borrow for their electric vehicles, EV-specific lenders are growing in popularity and offer drivers with a tailored experience by offering . Alex Liegl, CEO of Tenet, explains the company's efforts on EV financing and its aim to make climate-related investment an easy choice. The Tenet approach "gives customers the freedom to manage upfront investment costs and save down-payment cash to pay for other expenses," Liegl says. In addition, there is a deferment option which shifts an entire quarter of the purchase cost to one final payment at the end of the financing term. This will result in smaller monthly payments and a streamlined financing experience -however, a significant amount could be due by the end of the term. The goal, Liegl says, is to "help customers fully transform their lives with electricity by making green home improvements less expensive, such as installations of solar panels and battery backups, electric vehicles, smart appliances and much more." Other organizations, like the ones listed above , serve as an exchange for loan prequalification that is directly linked to incentives for electric vehicles and green loans offered in your state. According to their website, customers could save as much as $200 per month on their monthly EV loan payment. Do EVs have a lower lifetime cost? Therefore, is an electric car worth it? The positive feelings that come from driving a car that is healthier for the environment isn't the only reason people are turning to EVs. There's also the potential to save money. Although it's the case that gas costs are higher while driving, in certain situations, driving electric could be less expensive in the long run. According to a survey conducted in 2020, electric vehicle owners have saved on average and repairs throughout the duration of ownership as per Consumer Reports. This is due primarily to the distinct differences in maintenance that EVs have. They do not require oil changes and use an easier powertrain. Those driving battery-electric vehicles and plug-in hybrid vehicles paid only 3 cents per miles over the course of their vehicle's life, compared to 6 cents for traditional vehicles. However, driving electric isn't all positive. CNET, which is a Red Ventures company, reported on a 2021 study from We Predict that found . While it is true that drivers can avoid the cost associated with , like oil changes and simple inspections, electric components are more expensive when it comes time for repairs. This means that the longer maintenance times and the costlier replacement parts may make electric vehicles the same, or more expensive as driving gas-powered vehicles. Additionally, electric vehicles can be driven be more efficient than traditional gas-powered vehicles due to technological advancements, although the current demand for EVs is helping to stabilize prices at the moment. How to finance an electric car The procedure for financing an electric vehicle is quite similar to the process of financing a conventional gas-powered car. It is important to follow the same procedure you normally would, as well as understand the terms available and the importance that the credit rating and your history are able to bear. As previously mentioned, driving electric also carries the potential for state and federal benefits you don't traditionally have access to. One of these is , an incentive worth $7,500 which is available to all new, certified plug-in as well as fuel-cell vehicles. In 2023, new models may also be eligible to receive the government tax deduction . The vehicle cannot be purchased for more than $25,000. If it is eligible, you can claim tax credits of up to 30 percent of the sale price, which is capped at $4,000. Tax credits for federal residents come with income restrictions and car requirements, so you need to make sure that you and your future EV are eligible before you begin. Beyond that, you might be eligible for an income tax credit for your state based on the state you live in. Consider these questions before purchasing an electric car or operating an electric vehicle comes with an additional set of requirements that you may not have had to deal with in the past. Think about these issues. 1. What is the range of the vehicle? It is essential to determine the distance that your car can take you for both your normal commute and for your traveling habits. lists the average range for 2021 model year cars with a potential range of as long as 405 miles. Fortunately, drivers will likely deal with less "range anxiety" because vehicles are catching up with available technology. It is advisable to check your requirements by incorporating your normal commute, as well as your expected leisure activities. 2. Should I consider leasing before purchasing an electric car? "Leasing an electric vehicle could be a great way to test the waters of electric car ownership," Moody says. It is usually less expensive in a month-to-month arrangement and typically comes with a warranty. If you're on side of electric vehicles, consider leasing one to test the feeling and the driving experience. 3. Have I access car chargers in my region? Even though the Electric Vehicle Council found that about of EV drivers recharge at home, a lot of drivers do not possess the option of installing the Level 2 charger. That's okay. A majority of EVs can now be charged to charge at any electrical outlet, although it may take all night or even longer to receive fully charged. But, you might need a speedier charge at times. Many EVs take around 45 minutes to get to the 80 percent capacity of their batteries at the fastest charging station. To find out the locations you could be able to obtain an earlier charge take a look at , which maps out charging stations nearby. Double-check that any charging stations you intend to visit will work with your car you're considering. Consider an EV when shopping for your next vehicle Is an electric vehicle worth the investment? Similar to other luxury vehicles, EVs can carry higher upfront costs, and drivers need a strong credit profile to enjoy the low rates of interest. However, as the industry expands with more middle-tier choices come up, more drivers are able to think about electric options. Are you among that 36 per cent of Americans considering electric? Moody suggests that you look to find the sweet spot by purchasing used and lightly used something that falls in the 3-to-5-year range to enjoy a lower cost and a decent amount of warranty coverage.

Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of taking out loans to purchase a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to control their finances with concise, well-researched and well-written information that breaks down complex subjects into digestible pieces.

Auto loans editor

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