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

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

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances with precise, well-researched and well-researched content that dissects complicated topics into bite-sized pieces.

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The financial burden of ownership, from the initial purchase through refilling at the gas station, hit record highs for motorists in the past year. While gas prices have crept down to $3.38 on Feb. 24 as per AAA -financing a vehicle gets more expensive . The average cost for financing is $700 per month for new vehicle financing and $525 for used in the third quarter of 2022's fiscal year, . With steep costs to fill out and fund, along with the ever-present concerns about the climate, many drivers are itching for another option. You may be thinking "Should I invest in an electric vehicle?" And you wouldn't be alone. Electric vehicle (EV) market share has increased in recent years, and TransUnion believes that the EV market share will increase to . However, the cost upfront of an electric car could not be suitable for every driver. Should I buy an electric car? The decision to purchase electric must be approached with the same vigor as selecting the model and the maker of the next vehicle. Some people find the convenience of low maintenance will make the expensive cost of the price worth it. "From the point of view of a pure consumer viewpoint, buying an electric vehicle will be extremely positive," says Brian Moody, executive editor at Autotrader. "In addition to that, driving in electric cars is very rewarding. It is quicker and more efficient, and electric cars come with amazing features, like the ability to heat up the vehicle's interior prior to hitting the road." And, if you don't have a fully electric vehicle and a hybrid model is more efficient than conventional gas models, while costing less as compared to an EV. As Moody explains, these tend to carry an affordable price and "function as an electric vehicle in the daytime with gas being used only for long trips." This makes them an option for people who want to drive electric but who aren't yet prepared to commit to a full-time commitment. The market for electric cars has seen tremendous innovation over the past two years and is set to continue growing. While initial costs have traditionally been prohibitive, they're decreasing as more options become available , and traditional brands are dipping into the electric car market. It's clear that the U.S. auto market is changing to electric. Record-high gasoline prices might have helped increase sales of electric vehicles. Electric vehicles accounted for 5.7 percent of all new vehicle registrations in Q2 2022 according to . That may not seem big however it's an impressive increase in comparison to the 1.5 percent share that electric vehicles accounted for in Q2 2018. The increasing interest in electric vehicles has led to improvements in financing options, including and tax credits. This expanded market is one of the primary motives to think about buying an EV. Although Tesla is currently the most popular choice, TransUnion predicts the luxury model will be a minority of the percentage of the market by 2025 due to the number of new and more mainstream makes entering the space. Moody has a similar view when it comes to the availability of vehicles. "It used to be true that there were just a handful of very tiny or extremely expensive electric cars. While EVs are more expensive as a whole however, certain models are priced more affordably. For instance the Kia EV6 and Chevrolet Bolt." The Nissan Leaf is another cost-effective EV option. EV drivers share almost identical credit profiles to the owners of luxury cars. Satyan Merchant the senior vice president and automotive business leader at TransUnion has noticed a growing interest in EV financing, and an ensuing impact on the automotive finance market. TransUnion's 2022 study reported that, of the 33 million customers between 2019 and 2021 who took out new traditional and EV loans the majority of EV-related borrowers had nearly identical credit profile to those who own high-end automobiles. Those driving regular EVs held an average credit score of 775, falling in the top category. The average interest rate was 2.8 percent. This is less than the average APR that 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 found the drivers are more inclined to begin their . In reality over one-third of them did online research on the vehicle types and makes. Merchant explains, "Our research clearly shows that electric vehicle buyers have great credit risk profiles, however they also have varying preferences, including a larger desire to shop around for vehicle financing by digital means." This larger appetite is likely to be evident in the new options available for EV financing combined with an increase in the number of vehicles available in the coming years. Options for eco-friendly financing are growing. This expanding demand for electric cars has also brought about improvements in financing. While it is true that motorists can use or borrow to their electric vehicles, EV-specific lenders are becoming more popular and provide drivers with a tailored experience by offering . Alex Liegl, CEO of Tenet, discusses the company's efforts with EV financing and its aim to make climate investing an easy decision. The Tenet approach "gives customers the ability to manage upfront investment costs and to save the cash for down payment to be used for other expenditures," Liegl says. Additionally you can also choose a deferment option which shifts an entire quarter of the purchase cost to one final installment at the closing of the term of financing. This allows for low monthly payments as well as a streamlined financing experience -however, a substantial amount may be due at the conclusion. The purpose, Liegl says, is to "help customers completely electrify their lives by making environmentally sustainable home improvements more affordable, including installing solar panels as well as battery backup and smart appliances, EV charging and much more." Other businesses, such as EV-Savings, act as an exchange for loan prequalification that is directly linked to incentives for electric vehicles and green loans available in your state. According to their website, consumers can save up to $200 per month on their monthly EV loan payment. Are EVs able to have lower costs over the life of their lease? So can you say that an electric vehicle is worth the cost? The satisfaction that comes from driving a car that is more sustainable to the planet isn't always the sole reason why people are switching to electric cars. There's also the potential to reduce costs. Although it's the case that gas costs are higher while driving, in certain situations, driving electric could be more affordable overall. According to a survey conducted in 2020, electric car owners reduced the cost of repairs over the lifetime of ownership, according to Consumer Reports. This is due primarily to the differences in general maintenance that EVs have. These vehicles do not require oil changes and use more efficient powertrains. Those driving battery-electric vehicles and plug-in hybrid vehicles paid only 3 cents per miles over the lifetime of the vehicle as opposed to 6 cents for traditional vehicles. But driving electric isn't completely rosy. CNET, a Red Ventures company, reported on a 2021 study of We Predict that found . While it is true that drivers are able to avoid the additional cost associated with regular maintenance such as oil change and routine inspections, EV components are more expensive when it comes to repairs. This means that more maintenance times and more expensive replacement parts can make driving electric more expensive, or even less as driving gas-powered vehicles. Additionally, electric vehicles can be driven be more efficient than traditional gas-powered vehicles due to the speed of tech advancements and the increasing demand for EVs is helping to keep prices in check at the moment. What is the best way to finance an electric vehicle The process of an electric vehicle is quite similar to the traditional gas-powered vehicle. It is essential to follow the same steps that you would normally follow, in addition to understanding understand the terms available and the weight the credit rating and history carry. As mentioned, driving electric also carries federal and potential state benefits that you wouldn't traditionally have access to. One of these benefits is an incentive of $7,500 that applies to newly-built, approved plug-ins or fuel cell electric cars. If you buy a new vehicle in 2023, you might also be able to get an government tax deduction . The vehicle cannot be purchased at a price greater than $25,000. If it is eligible, you can claim tax credits of up to 30 percent of the sales price, which is capped at $4,000. The federal tax credits are both accompanied with income limits and car requirements, so you need to make sure that you and your future EV meet the requirements before you dive in. In addition, you may be able to claim the state tax credit based the location you reside in. You should ask yourself these questions prior to buying an electric vehicle Owning and operating an electric vehicle is a different set of needs that you might not have dealt with before. Consider these questions. 1. What is the range of your vehicle? It is important to check the distance your car will get you -- for both your normal commute and your travel habits. reports the range of 2021 model year vehicles with a potential range of between 405 and 405 miles. Fortunately, drivers will likely deal with less "range anxiety" because vehicles are catching up with technology available. But it is wise to evaluate your needs by factoring in your normal commute, as well as your expected leisure activities. 2. Should I lease before I buy an electric vehicle? "Leasing an electric car can be a good way to get a taste of EV ownership," Moody says. It is usually less expensive in a month-to-month arrangement and usually includes a warranty. If you are on the decision of driving electric you should consider leasing one to test the feel and experience. 3. Do I have access to car chargers in my region? Even though it is true that the Electric Vehicle Council found that around a third of electric vehicle drivers can charge at home, a lot of drivers don't enjoy the convenience of having a Level 2 charger. That's okay. A lot of EVs are now able to charge from any electrical outlet, although it could take the whole night or more to achieve a full charge. That said, you might require a quicker charge at times. A lot of EVs take about 45 minutes to reach the 80 percent capacity of their batteries at the fastest charging station. To find out where you might be able to get a faster charge, check out the map, which shows charging stations nearby. Double-check that any charging stations that you are planning to frequent will work with your car you're looking at. You should consider an electric vehicle when looking for your next vehicle If you're wondering, is an electric vehicle worth the investment? Like any other luxury vehicle, EVs can carry higher initial costs, and drivers need a strong credit profile to enjoy low interest rates. However, as the industry expands with more middle-tier choices come on the market, more motorists can reasonably think about electric options. Are you among those who comprise 36 percent Americans thinking about electric? Moody suggests that you look to find the sweet spot by purchasing a used model that is anything in the 3-to-5-year range -- to benefit from a lower cost and a decent amount of warranty coverage.

Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of using loans to buy a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to take control of their finances through providing concise, well-researched and well-written information that breaks down complex topics into manageable bites.

Auto loans editor

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