🛵 Electric Two-Wheelers You Can Buy with a Personal Loan: Complete Cost Breakdown
As India accelerates its shift toward clean energy mobility, electric two-wheelers are becoming a practical, cost-effective alternative for urban commuters. If upfront costs are a barrier, a personal loan can make your electric scooter dream a reality.
This guide provides a full breakdown of the top electric two-wheelers you can buy in 2025 using a personal loan, including pricing, EMI estimates, features, and benefits of using Vizzve Finance for your purchase.
🔋 Top Electric Two-Wheelers You Can Finance with a Personal Loan
1. Ola S1 Pro
Ex-showroom Price: ₹1,29,999
Loan Amount (100% financed): ₹1,30,000
Tenure: 36 months
Interest Rate: Approx. 11% p.a.
Estimated EMI: ₹4,250/month
Range: 195 km
Top Speed: 116 km/h
2. Ather 450X Gen 3
Ex-showroom Price: ₹1,44,921
Loan Amount: ₹1,45,000
EMI (36 months): ₹4,740/month
Range: 150 km
Top Speed: 90 km/h
Features: Google Maps, OTA updates
3. TVS iQube ST
Ex-showroom Price: ₹1,25,000
Loan Amount: ₹1,25,000
EMI (36 months): ₹4,100/month
Range: 145 km
Top Speed: 82 km/h
USP: Strong after-sales support from TVS
4. Bajaj Chetak Premium
Ex-showroom Price: ₹1,43,000
Loan Amount: ₹1,43,000
EMI (36 months): ₹4,700/month
Range: 127 km
Top Speed: 73 km/h
Build: Metal body, retro-modern look
5. Hero Vida V1 Pro
Ex-showroom Price: ₹1,45,900
Loan Amount: ₹1,46,000
EMI (36 months): ₹4,765/month
Range: 165 km
Top Speed: 80 km/h
Highlight: Removable battery
💸 Why Use a Personal Loan to Buy an EV?
No collateral required
Quick approval & disbursal (often within 24 hours)
Flexible repayment tenure (12–60 months)
Zero processing fees (Vizzve Finance exclusive offer)
Covers on-road price, insurance, accessories
🚀 Vizzve Finance Advantage
Vizzve Finance simplifies EV financing with:
Instant loan approvals
Pre-approved offers for salaried individuals
Competitive interest rates (starting from 10.75%)
Free EMI calculator & documentation assistance
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📊 Sample EMI Breakdown Table (for ₹1,40,000 Loan at 11%)
| Tenure | Monthly EMI | Total Payable | Interest Paid |
|---|---|---|---|
| 12 mo | ₹12,390 | ₹1,48,680 | ₹8,680 |
| 24 mo | ₹6,740 | ₹1,61,760 | ₹21,760 |
| 36 mo | ₹4,630 | ₹1,66,680 | ₹26,680 |
🔚 Final Thoughts
Switching to electric mobility is a smart financial and environmental choice. With Vizzve Finance, buying your dream electric scooter is now easier than ever. Use our loan calculator, choose your model, and get moving today—cleanly, affordably, and efficiently.
Frequently Asked Questions
Q1: Can I buy an electric two-wheeler entirely through a personal loan?
Yes. With Vizzve Finance, you can get up to 100% financing on-road price including registration, insurance, and accessories.
Q2: What credit score is required to get a personal loan for an EV?
A CIBIL score of 700+ is ideal. However, Vizzve also considers applicants with a minimum score of 650 under flexible terms.
Q3: Which is better: a two-wheeler loan or personal loan for EVs?
Personal loans offer higher flexibility, no vehicle hypothecation, and can be processed faster, making them a better fit for EVs.
Q4: Are there any tax benefits on buying electric vehicles?
Yes. Under Section 80EEB, you can claim up to ₹1.5 lakh interest deduction on EV loan interest if taken from an NBFC or bank.
Q5: How soon will the loan amount be disbursed?
With Vizzve Finance, most personal loans are approved and disbursed within 24–48 hours, provided documentation is complete.
Published on: July 27, 2025
Published by: Selvi
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