Pay monthly for a home EV charger

Four ways to pay over time

Supplier finance: British Gas and E.ON

British Gas shows its example on the charger page: “Cash price £1,547. Pay £154.70 a month for 10 months. Total repayable £1,547. 0% APR.” That is a representative basket, not a price isolated to the charger, whose headline price is from £999. Hive is a credit broker and the lender is Secure Trust Bank trading as V12 Retail Finance, subject to status and affordability and a minimum spend.

E.ON Next lends through HomeServe Finance at 11.9% APR representative, up to four years. Its example is a £1,272 charger with no deposit repaid in 48 payments of £33.06, so £314.93 of interest. The E.ON Ohme and zappi prices run from £1,220 to £1,296, so you start from a higher cash price too. You can also pay in full with no credit check.

OVO and Octopus list no finance on the pages we read, only the fitted cash price.

Pod Drive: a subscription, not a loan

Pod Drive is a 36-month plan at £34 a month. It includes the charger, a standard installation, a five-year warranty (three standard plus two extra), a maintenance service with a 48-hour guarantee and 24/7 support. You own the charger when it ends, Pod says. Pay upfront instead and the charger costs £999 untethered with a three-year warranty.

Three details matter. Pod’s page says you cannot be on a smart EV tariff at any time during the 36 months, though it also lists Pod Power by EDF among the benefits, so ask which tariffs count. The £0 upfront offer ends on 1 November 2026, and an FAQ on the same page still says £99 upfront (so £1,323 in total). Finally, a Pod charger is not on Octopus’s generally-available list for Intelligent Octopus Go. Pod runs a soft credit check at sign-up that it says does not affect your credit score.

Ohme and PayPal Pay in 3

Since May 2026, buyers of an Ohme ePod or Home Pro direct from Ohme can pay with PayPal’s Pay in 3. Ohme says it splits interest-free payments over two months. Its footnote says it is an unregulated credit agreement, subject to status and approval. Ohme’s direct price is from £949 for the ePod and £999 for the Home Pro, fitted. That is cheaper than Octopus’s or E.ON’s prices for the same models, which is the real saving.

Credit or grant?

A grant beats any credit. The OZEV scheme pays 75% of the charger and installation, up to £500, to renters, owners of flats with private parking and on-street households with a permanent cross-pavement channel, until 31 March 2027. The installer deducts it from your invoice and claims it afterwards. On Ohme’s £949 ePod that leaves £449 to pay, by our arithmetic. Owner-occupiers of a house with a driveway are excluded. See our grants guide.

If a charger is bundled in a vehicle lease, the grant rules add conditions: the lease must say you own the charger on completion, itemise the charger and installation including VAT, and run for at least six months.

If you pay part of the cost by credit card, Section 75 can make the card company jointly liable if the seller fails, for items costing over £100 and up to £30,000, even if you paid only a deposit on the card, according to Experian. Debit cards are not covered. Our supplier comparison lists every fitted price side by side.