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We’re a leading car finance specialist, with a 5* Google rating and excellent Trustpilot rating.
Having been operational since 2004 we have developed strong relationships with the top UK lending banks, and can offer our customers a wide range of flexible finance options to suit their individual needs.
If you have already found the car you want then simply complete a quick online application, and an experienced member of our sales consultant team will be in touch.
With the ban on new petrol, diesel, and hybrid cars in 2030 rapidly nearing, the thought of switching to an electric car could be an unsettling thought for many. However, electric vehicles are starting to fit into people’s lifestyles now more than ever, with worries such as range, charging infrastructure and price becoming a thing of the past.
Many of the world’s leading car manufacturers now offer at least one EV option from their range, so there’s a huge selection to choose from. Whatever type of electric vehicle you’re looking for, you can turn your dream into reality by spreading the cost into affordable monthly payments with our flexible finance packages.
Rates start from 9.9% APR. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 23.9%, an annual interest rate of 23.9% (Fixed) and a deposit of £0.00, the amount payable would be £234.76 per calendar month, with a total cost of credit of £3,768.48 and a total amount payable of £11,268.48. Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your credit score but a hard search will be added to your credit profile if you decide to proceed with finance.
At Creditplus we specialise in electric car finance and have been successfully helping our customers finance and find their cars since 2004. With so much experience we've become very good and efficient at providing this service and our excellent Google review rating shows that our customers agree.
But our service doesn't end there! Creditplus will fully vet the vehicle and dealership to ensure you’re getting a great deal. We’ll let you know the MOT status including recent history, service history, warranty status, ensure the vehicle hasn’t been written off or stolen, vet the dealership and let you know whether there are any potential dealership issues to be made aware of such as bad reviews, negative trading history or regulatory concerns- at no extra cost.
To start, simply complete our easy-to-use online application form with your contact details, address and employment details.
We’ll then run a quick Soft Search to check your eligibility and you’ll get a decision straight away - don't worry as this won’t impact your credit score. You’ll be told how much you could borrow and what interest rate you is likely to be set for your electric vehicle loan.
Once you’re approved, one of our friendly and experienced consultants will be in touch to discuss your finance options. The most popular electric car finance options include personal contract purchase (PCP), hire purchase (HP), and lease purchase (LP). There are also many electric car leasing deals available. Whether you want to own your electric car outright, return your car at the end of the agreement, or keep your options flexible, we are happy to help to direct you towards the most suitable option for financing your electric car.
If you’ve already found the electric car that you want, we’ll process the funds straight away so you can get behind the wheel of your new car as soon as possible.
If you haven’t yet found a car that you want, or you would like to browse our stock, then you can either search for a car yourself using our car search portal. Or alternatively, your dedicated consultant will be happy to assist you find the perfect electric car.
For the best used electric car finance deals, simply complete our form and a sales consultant will be in touch.
Information required to apply:
All-Electric Battery EV (BEV)
An all-electric battery EV is a vehicle that is solely powered by an electric motor with a lithium-ion battery. To recharge the battery, the vehicle must be plugged into a power source.Discover
Hybrid (HEVs)
Hybrid vehicles are a mixture of an electric motor and a combustion engine. However, unlike the PHEV, you do not plug the car in to recharge the battery. A hybrid battery is charged through the cars motion, meaning you will need to use fuel to recharge the battery.Discover
Electric cars are vehicles powered by a lithium-ion battery, either completely, or partially. Electric cars can come in three types, all-electric battery EV (BEV), Plug-in hybrid (PHEV), and Hybrid (HEVs). Many electric cars are charged through charging points which are either installed to your own home or building if feasible or using one of the electric chargers in your local area. Electric vehicles (EVs) have hugely developed over the last few years, and some people say they are the future of automotive.
Electric cars do not pay any road tax, require less maintenance work due to their lack of combustion engine, and can travel through many traffic restriction zones thanks to their absence of exhaust emissions.
An electric car lease is ideal if you want to keep your monthly payments as low as possible, and you’re happy to return the vehicle at the end of the agreement.
Electric car leasing makes it easier to change your car regularly, as you don’t have to worry about selling the car further down the line.
Instead, you simply return your EV to the lender, giving you the freedom to pick a new vehicle of your choice.
But if you want to own the car at the end of your agreement, you can choose to buy an electric car on finance through one of the vehicle ownership products available.
And if you decide to opt for a hire purchase agreement, you won’t be held back by mileage restrictions. At the end of the package, you’ll own your electric car outright.
If you’re still unsure and you’d like to discuss your finance options with one of our car finance specialists, including personal contract purchase and lease purchase, simply request a callback today.
With our flexible finance packages, we can often offer a no-deposit option for personal contract purchase and hire purchase agreements, subject to approval.
With a leasing agreement, you’ll normally be expected to provide a deposit at the start of the agreement, but this can be discussed in more detail with your finance specialist.
In the UK, you can get a discount on the price of a brand new low-emission vehicle through a grant the government gives to vehicle dealerships and manufacturers. The maximum grant available for cars is £1,500.
View the Full List of electric vehicles available with a government grant.
The range of an EV will vary according to the vehicle manufacturer and model, however the average range on a battery electric vehicle (BEV) is normally between 150-200 miles, with some BEVs capable of more than 300 miles.
Meanwhile, plug-in hybrid electric vehicles (PHEVs), like the IONIQ, can cover more than 660 miles with both an electric and internal combustion engine.
Yes. We understand not everyone has a perfect credit score, which is why our finance options are often available to a wide range of credit backgrounds, including individuals with bad credit.
Check your eligibility today and receive an instant decision, without affecting your credit score.
Most electric cars are automatic, but some manufacturers are still producing vehicles with a manual gearbox. It is likely that all electric cars will become automatic in the future, as an electric automobile does not require a clutch. In a manual vehicle, you must use both the brake and clutch to avoid stalling, but this is not the case in an electric vehicle.
The cost of operating an electric car varies based on the model, manufacturer, and features of the car, much like the cost of a regular vehicle. However, electricity is far less expensive than petrol or diesel cars, and electric vehicles require less maintenance than internal combustion engines (ICE).
Insurance costs vary based on the availability of spare parts for an electric car, the safety features on each make and model, and changes in the financial market. It’s a good idea to shop around for the best car insurance deal.
Additionally, numerous incentives are available, such as government grants or schemes and road tax exemptions. So, overall, electric cars tend to be a lot cheaper to run, especially if you have a charging point available at home.
The London Congestion Charge, as well as the Ultra Low Emission Zone (ULEZ) charge, are fully waived for battery electric vehicles. Electric vehicles (EVs) are the future of transportation in the UK and throughout the world for a variety of reasons. Evidence of this may be found in the London Congestion Charge. Faced with the growing threat of climate change, the government took the Congestion Charge as one of its first significant moves to reduce hazardous levels of carbon dioxide emissions in the country.
Electric cars work by being plugged into a charging point and drawing power from the grid, similar to how a phone or laptop charges (although an EV charger is much more powerful!). They store the electricity in rechargeable batteries, which are used to power the electric motor that rotates the wheels. Electric cars accelerate more quickly than vehicles powered by standard fuel engines, making them seem lighter to drive.
By 2026, some experts believe that electric cars would be cheaper to manufacture than their internal combustion engine rivals. This is for bigger vehicles like sedans and SUVs; smaller electric cars are scheduled to achieve the same level of production the following year.
Electric car finance is based on affordability. When you apply online with us, we’ll carry out a soft credit search on your file, so you can see how much you could borrow on an electric car finance deal, including the interest rate, costs of finance, and what type of finance product is available to you.
Once you know how much you can borrow, you can start to look for new, nearly new and used electric cars to see which one you can finance. Your customer advisor will be happy to help you find the right electric car for you.
An electric car lease is ideal if you want to keep your monthly payments as low as possible, and you’re happy to return the vehicle at the end of the agreement.
Electric car leasing makes it easier to change your car regularly, as you don’t have to worry about selling the car further down the line.
Instead, you simply return your EV to the lender, giving you the freedom to pick a new vehicle of your choice.
But if you want to own the car at the end of your agreement, you can choose to buy an electric car on finance through one of the vehicle ownership products available.
And if you decide to opt for a hire purchase agreement, you won’t be held back by mileage restrictions. At the end of the package, you’ll own your electric car outright.
If you’re still unsure and you’d like to discuss your finance options with one of our car finance specialists, including personal contract purchase and lease purchase, simply request a callback today.
With our flexible finance packages, we can often offer a no-deposit option for personal contract purchase and hire purchase agreements, subject to approval.
With a leasing agreement, you’ll normally be expected to provide a deposit at the start of the agreement, but this can be discussed in more detail with your finance specialist.
In the UK, you can get a discount on the price of a brand new low-emission vehicle through a grant the government gives to vehicle dealerships and manufacturers. The maximum grant available for cars is £1,500.
View the Full List of electric vehicles available with a government grant.
The range of an EV will vary according to the vehicle manufacturer and model, however the average range on a battery electric vehicle (BEV) is normally between 150-200 miles, with some BEVs capable of more than 300 miles.
Meanwhile, plug-in hybrid electric vehicles (PHEVs), like the IONIQ, can cover more than 660 miles with both an electric and internal combustion engine.
Yes. We understand not everyone has a perfect credit score, which is why our finance options are often available to a wide range of credit backgrounds, including individuals with bad credit.
Check your eligibility today and receive an instant decision, without affecting your credit score.
Most electric cars are automatic, but some manufacturers are still producing vehicles with a manual gearbox. It is likely that all electric cars will become automatic in the future, as an electric automobile does not require a clutch. In a manual vehicle, you must use both the brake and clutch to avoid stalling, but this is not the case in an electric vehicle.
The cost of operating an electric car varies based on the model, manufacturer, and features of the car, much like the cost of a regular vehicle. However, electricity is far less expensive than petrol or diesel cars, and electric vehicles require less maintenance than internal combustion engines (ICE).
Insurance costs vary based on the availability of spare parts for an electric car, the safety features on each make and model, and changes in the financial market. It’s a good idea to shop around for the best car insurance deal.
Additionally, numerous incentives are available, such as government grants or schemes and road tax exemptions. So, overall, electric cars tend to be a lot cheaper to run, especially if you have a charging point available at home.
The London Congestion Charge, as well as the Ultra Low Emission Zone (ULEZ) charge, are fully waived for battery electric vehicles. Electric vehicles (EVs) are the future of transportation in the UK and throughout the world for a variety of reasons. Evidence of this may be found in the London Congestion Charge. Faced with the growing threat of climate change, the government took the Congestion Charge as one of its first significant moves to reduce hazardous levels of carbon dioxide emissions in the country.
Electric cars work by being plugged into a charging point and drawing power from the grid, similar to how a phone or laptop charges (although an EV charger is much more powerful!). They store the electricity in rechargeable batteries, which are used to power the electric motor that rotates the wheels. Electric cars accelerate more quickly than vehicles powered by standard fuel engines, making them seem lighter to drive.
By 2026, some experts believe that electric cars would be cheaper to manufacture than their internal combustion engine rivals. This is for bigger vehicles like sedans and SUVs; smaller electric cars are scheduled to achieve the same level of production the following year.
Electric car finance is based on affordability. When you apply online with us, we’ll carry out a soft credit search on your file, so you can see how much you could borrow on an electric car finance deal, including the interest rate, costs of finance, and what type of finance product is available to you.
Once you know how much you can borrow, you can start to look for new, nearly new and used electric cars to see which one you can finance. Your customer advisor will be happy to help you find the right electric car for you.
Your application only takes a couple of minutes and won’t affect your credit score.
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