{"id":30620,"date":"2026-05-11T12:50:52","date_gmt":"2026-05-11T12:50:52","guid":{"rendered":"https:\/\/www.evolutionfunding.com\/public\/?page_id=30620"},"modified":"2026-07-08T07:15:39","modified_gmt":"2026-07-08T07:15:39","slug":"the-most-popular-ev-finance-terms-in-2026","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/ev-support-hub-for-dealers\/the-most-popular-ev-finance-terms-in-2026\/","title":{"rendered":"The Most Popular EV Terms in 2026"},"content":{"rendered":"\t\t
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The most popular EV finance terms in 2026 \u2013 and what this means for dealers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tWith dealers having to prepare for more growth in electric vehicle demand in 2026, we\u2019ve analysed our 2026 EV finance data to show what finance terms customers are opting for \u2013 and what this means for car dealers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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All data correct as of July 2026.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Electric vehicle finance split<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tIn 2026 so far, 62% of our customers chose Personal Contract Purchase (PCP) over Hire Purchase (HP). By comparison, only 32% of petrol and diesel vehicle customers opted for PCP.\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tElectric vehicle\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\n\t\t
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\n\t\t\t\tHP<\/span>\n\t\t\t\t\t\t\t\t\t38.4%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\tPCP<\/span>\n\t\t\t\t\t\t\t\t\t61.6%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tPetrol\/diesel\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\tHP<\/span>\n\t\t\t\t\t\t\t\t\t68.3%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\tPCP<\/span>\n\t\t\t\t\t\t\t\t\t31.7%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Lady\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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EV buyers favour mid-term flexibility<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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EV customers favour a 48-month term in 2026, with 60 months also becoming increasingly popular as buyers balance affordable monthly payments with long-term ownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tFinance term length: 48 months\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tNumber of paid-out customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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1,826<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t% of EV customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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43.1%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tFinance term length: 60 months\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tNumber of paid-out customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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1,335<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t% of EV customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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31.5%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tFinance term length: 49 months\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tNumber of paid-out customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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557<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t% of EV customers\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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13.2%<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Combined, these three term lengths made up 87.8% of all EV finance agreements in 2026.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Top lenders are backing EV demand<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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In 2026, 24 of our lenders have supported electric vehicle applications. Motonovo, Alphera and Northridge saw the highest number of EV accepts in 2026, giving dealers a good indication of where lender appetite for electric vehicles remains strongest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tMotonovo\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tAccepts\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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686<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tAlphera\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tAccepts\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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633<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tNorthridge\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tAccepts\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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227<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tWant to see our full list of electric vehicle lenders? Get in touch with us to learn more.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What this means for dealers in 2026<\/h2>\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tEV buyers are thinking differently to ICE buyers – flexibility matters more, so PCP should be a big part of your EV conversations.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tA 48-month term appears to be the EV comfort zone, making it a strong starting point for advertising available terms.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The ZEV mandate<\/a> will increase EV supply, so getting your advertised finance terms right now will mean easier sales later on.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tIf you\u2019re mainly presenting just one finance option on EVs, there may be an opportunity to turn more leads into buyers by broadening how you structure deals.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tEV buyers are thinking differently to ICE buyers – flexibility matters more, so PCP should be a big part of your EV conversations.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tA 48-month term appears to be the EV comfort zone, making it a strong starting point for advertising available terms.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The ZEV mandate<\/a> will increase EV supply, so getting your advertised finance terms right now will mean easier sales later on.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tIf you\u2019re mainly presenting just one finance option on EVs, there may be an opportunity to turn more leads into buyers by broadening how you structure deals.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Give your EV customers more finance options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tAs EV demand continues to grow, having access to lenders who already fund EVs will help you turn stocked EVs into paid-out deals.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tEvolution Funding gives dealers access to the broadest lender panel of any UK broker \u2013 including leading EV finance lenders \u2013 to help support your EV sales strategy.\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tTalk to us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGet started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

The most popular EV finance terms in 2026 \u2013 and what this means for dealers With dealers having to prepare for more growth in electric vehicle demand in 2026, we\u2019ve analysed our 2026 EV finance data to show what finance terms customers are opting for \u2013 and what this means for car dealers. All data […]<\/p>\n","protected":false},"author":3,"featured_media":25409,"parent":27392,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-30620","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nThe Most Popular EV Finance Terms in 2026<\/title>\n<meta name=\"description\" content=\"Discover the latest EV finance trends, including popular finance terms, lender appetite and what they mean for dealerships.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.evolutionfunding.com\/public\/ev-support-hub-for-dealers\/the-most-popular-ev-finance-terms-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Most 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