Case studies
How a Brisbane Family Found the Right Finance for Their First EV
The challenge
Emma Wilson, a teacher from Brisbane's south side, and her partner Marcus Webb, who works in IT, decided it was time to replace their ageing petrol SUV. With two kids and a daily school and work commute, running costs were eating into the family budget. They had been looking at EVs for a while but were put off by the sticker price.
They had a reasonable deposit saved but were not sure how much they could borrow, what their repayments would look like, or whether an EV would actually save them money over time.
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The solution
After filling out an enquiry on evfinancer.com.au, the family was matched with a broker who took the time to understand their situation. Rather than just pushing them toward the first lender to respond, the broker worked through the numbers with them.
The broker compared options across several lenders and found a secured consumer loan with competitive terms. The repayment amount sat comfortably within the family's budget, and the loan term aligned with how long they planned to keep the vehicle.
Importantly, the broker also walked them through the running cost savings they could expect. Between cheaper "fuel" (home charging on their off-peak electricity rate), lower servicing costs, and the removal of their weekly petrol spend, the family worked out they would be saving over $1,500 to $2,000 per year in running costs compared with their old petrol SUV.
The whole process, from initial enquiry to settlement, was handled without fuss. Documents were uploaded from their phones, and the broker kept them updated throughout.
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The result
The family is now driving a mid-range electric SUV that comfortably fits the whole family, handles the daily commute with ease, and costs significantly less to run than their old petrol vehicle.
They charge at home overnight on their standard electricity plan and top up at a fast charger on longer trips. The transition has been smoother than they expected, and the savings are real.
Kids, commute, school run — your loan should survive real life, not just the showroom.
We help families sense-check repayments alongside insurance, charging setup and the extras you actually need.
Key takeaway
You do not need to have all the answers before reaching out. A good broker will help you work through the numbers, compare your options, and find a finance structure that fits your family's budget. The hardest part is usually just getting started.
If you are interested in how running costs compare, check out our full breakdown of EV running costs vs petrol cars. And if you are still exploring whether an EV suits your family, our guide to the best electric vehicles for families might help narrow things down.
For more stories and finance guides, visit Aussie Finance Hub.