8 Best Electric Car Salary Sacrifice Scheme Providers in the UK (2026)
Source: Shutterstock
The UK's electric car salary sacrifice market has grown considerably. What was once a niche employee benefit is now one of the most effective tools businesses have for attracting talent, reducing Scope 3 emissions, and helping employees drive a brand-new EV for significantly less than a standard lease.
But not all electric car salary sacrifice schemes are built the same. The differences between providers - on pricing, employer risk protection, vehicle selection, and charging integration - can make a meaningful difference to both your HR team and your employees' wallets.
We've spent years working with thousands of UK businesses on their electric car salary sacrifice schemes. This guide draws on that experience to give you an honest, side-by-side comparison of eight leading salary sacrifice EV providers for 2026 - so you can make a confident, well-informed decision.
What is an Electric Car Salary Sacrifice Scheme?
An electric car salary sacrifice scheme is a tax-efficient employee benefit where an employee agrees to give up a portion of their gross (pre-tax) salary in exchange for a fully inclusive electric car lease. Because the deduction comes before Income Tax and National Insurance are calculated, employees save substantially - typically 20–50% - compared to leasing the same car personally.
For employers, the scheme is typically cost-neutral: the National Insurance savings generated by the reduced salary offset the administration costs of running it. And with EV Benefit-in-Kind tax at just 3% for 2025/26, the monthly BiK liability remains very low.
To understand the full mechanics, read our guide on how salary sacrifice works.
Understanding the Electric Car Salary Sacrifice Market
I'm exploring the UK's electric car salary sacrifice landscape to help businesses identify the provider that delivers genuine value - not just marketing claims. After analysing eight major providers including The Electric Car Scheme, Octopus EV, Tusker, loveelectric, Zenith, Fleet Alliance, EZOO, and DriveElectric, I'm breaking down what actually differentiates market leaders from the rest.
The fundamental choice businesses face is this: broker-based models that source from multiple funders (delivering competitive pricing through market tension) versus direct leasing providers that control their own supply (offering consistency but limited price flexibility). I'm identifying three critical decision factors that most comparison guides overlook: the timing of employer protection (Day 1 vs. after 3 months), whether charging costs can be salary sacrificed alongside the vehicle, and whether used EVs are available to extend accessibility across salary bands.
How we ranked these electric car salary sacrifice providers
This guide ranks eight of the UK's leading electric car salary sacrifice scheme providers based on the criteria that most comparison articles overlook. Headline savings percentages are easy to publish - what actually determines the value a scheme delivers to your business and your employees is more nuanced.
We evaluated each provider across six factors:
Employer protection start date.
This is the single most consequential difference between providers. Some schemes protect employers from the financial exposure of early lease termination from Day 1 of every lease. Others impose a three-month waiting period, leaving businesses liable for costs if an employee leaves, is made redundant, or goes on long-term sick leave in the first 12 weeks. For businesses with any degree of staff movement, this gap matters significantly.
Used EV availability.
A salary sacrifice scheme that only offers new electric vehicles is a scheme that only works for higher earners. The ability to access used EVs - ideally with fast delivery - determines whether a scheme is genuinely inclusive across your workforce or effectively reserved for those on stronger salaries.
Charging salary sacrifice.
The cost of charging an EV is a real and ongoing expense for every driver. We assessed whether providers offer a mechanism to salary sacrifice charging costs alongside the vehicle - extending the pre-tax saving beyond the monthly lease payment. Only one provider currently offers this.
Transparency of pricing.
Some providers publish indicative pricing publicly. Others require employer sign-up before employees can access any figures. We assessed how easy it is to run a genuine like-for-like comparison before committing, and whether the pricing model - broker versus direct leasing - is clearly explained.
Independent reviews and recognition.
We weighted independently verified signals of service quality: Trustpilot ratings from verified customers, industry awards from third-party publications, and client case studies from named businesses. Self-declared claims were not counted.
Corporate sustainability credentials.
For businesses with published ESG commitments or Scope 3 emissions reporting obligations, the sustainability credentials of a salary sacrifice provider carry weight. We assessed B Corp certification, carbon reporting tools, and whether sustainability is independently verified or self-reported.
No single provider scores perfectly across every category. The rankings reflect overall value, with particular weight given to employer protection and employee savings — the two factors most directly tied to business risk and scheme uptake.
The 7 best electric car salary sacrifice providers in the UK (2026)
| Provider | Best for | Vehicles | Employer protection | Used EVs? | Hybrid Cars? | Charging integration |
|---|---|---|---|---|---|---|
| The Electric Car Scheme | Best overall — pricing, protection, charging | New + used EVs | Complete Employer Protection from Day 1 | ✅ Yes, delivery within 14 days | ✅ Yes, delivery within 14 days | The Charge Scheme: salary sacrifice EV charging |
| Octopus EV | Bundled energy + EV integration | New + nearly new EVs | Protection after 3 months only | ❌ | ❌ | Electroverse + Octopus energy tariffs |
| Tusker | Established provider, large employers | New EVs only | Lifestyle Protection after 3 months | ❌ | ✅ | Not publicly advertised |
| loveelectric | Transparent broker pricing, B Corp values | New + Reloved® used EVs | Zero Risk Guarantee from Day 1 - paid by employee’s scheme fee | ✅ | ❌ | Charge Card for public/home charging |
| Zenith | Fleet integration for corporate clients | New EVs only | Risk cover in corporate agreements | ❌ | ✅ | None specific to EVs |
| Fleet Alliance | Multi-brand leasing flexibility | New EVs only | Standard early termination insurance | ❌ | ✅ | None |
| EZOO | Small business, personal service, flexible terms | New + Used EVs | Early Termination Protection after 3 months only | ✅ | ❌ | Limited discounts - no salary sacrifice |
| DriveElectric | Long-standing EV leasing expertise | New EVs only | Not publicly specified | ❌ | ❌ | Some tariff bundles |
1. The Electric Car Scheme - Best Overall Electric Car Salary Sacrifice Provider
The Electric Car Scheme is the UK's leading dedicated electric car salary sacrifice provider, named Best Salary Sacrifice Provider for 2025 by Car Sloth - for the second year running, and EV Salary Sacrifice Provider of the Year 2026 by SME news UK Transport Awards (2026).
It was recognised for its competitive pricing, market-leading employer protections, broad EV range, and the innovative Charge Scheme.
The Electric Car Scheme is trusted by thousands of businesses across the UK - from SMEs to large enterprises including Holland & Barrett, Just Eat, Vitality, Bloom & Wild, Dulux, Eurostar, and others. The Electric Car Scheme is rated "Excellent - 5 stars" on Trustpilot.
The Electric Car Scheme is the benchmark against which other providers should be measured.
What's included for employees
Each lease through The Electric Car Scheme is fully inclusive, with a single monthly salary sacrifice payment covering the electric car lease (new or used), fully comprehensive insurance, servicing, maintenance and tyre replacements, breakdown cover, road tax, and delivery and collection of the vehicle.
Employees access the best available EV prices through The Electric Car Scheme's multi-funder model - sourcing vehicles from a network of leading leasing companies rather than a single provider, ensuring genuinely competitive pricing. With BiK tax at just 3% for 2025/26 and savings of 20–50% versus a personal lease, most employees find the net monthly cost of a brand-new EV through salary sacrifice significantly lower than expected.
Employees can also bundle a home charger installation into their salary sacrifice payments and save a further 20–50% on all EV charging through The Charge Scheme. That means savings on the car, the charger, and every mile driven - all within a single scheme.
| Year | BiK Rate |
|---|---|
| 2024/25 | 2% |
| 2025/26 | 3% |
| 2026/27 | 4% |
| 2027/28 | 5% |
| 2028/29 | 7% |
| 2029/30 | 9% |
30-60% Savings - Is That Accurate?
Some providers quote salary sacrifice savings as high as 60%, however - changes in BiK over the course of the EV lease, mean that this is untrue. Always verify whether that figure accounts for Benefit-in-Kind tax, and scheme fees, which directly affect your real monthly cost. The Electric Car Scheme's quoted savings of 20–50% are calculated on a net basis, including BiK - so you know exactly what you'll pay - with no net cost to the employer, and no hidden fees for employees.
Use our salary sacrifice calculator for a personalised, transparent breakdown.
What's Included for Employers
The Electric Car Scheme is free to set up and costs nothing net to run. The Employer National Insurance savings generated by reduced gross salaries offset all running costs - making it a genuinely cost-neutral employee benefit.
Each month, your organisation saves on Class 1 National Insurance contributions because employees pay for their cars from their gross salary rather than their net income. Those savings add up quickly, delivering an average of £1,920 per car per year back to the business. Through The Electric Car Scheme - you have complete flexibility over how those savings are used, allowing your business to retain up to 100% to support company costs, or reinvest part or all of the savings to lower lease prices for employees, increase scheme participation and make the benefit even more attractive.
Source: Shutterstock
For HR and Finance teams, the platform includes straightforward reporting tools designed to simplify administration at scale. Payroll integration is handled by The Electric Car Scheme's team, minimising the burden on internal resources and enabling schemes to go live quickly - even at large employer scale. Employers also benefit from a dedicated account management team and ready-to-use engagement materials to drive employee uptake from launch.
The Electric Car Scheme works with every major benefits platform and payroll provider to make setup quick and secure. With API and SFTP payroll integrations, SSO for employee logins, and an Employer Portal with real-time approvals, reporting and tax insights.
This technology makes it easy for you to launch, manage and scale the scheme - without adding admin.
Complete Employer Protection from Day 1
Upon comparison of protection terms across all eight providers, and the gap is stark. One of the most significant differentiators in the market is Complete Employer Protection. Unlike providers that impose a waiting period - typically three months - before employer risk cover begins, The Electric Car Scheme protects employers from the very first day of every lease.
Coverage includes resignation, redundancy, long-term illness, parental leave, vehicle damage, and failure to pay fees - with no excess, no exclusion periods, and no underpayment for maternity leave. Read more about how Complete Employer Protection works.
The Charge Scheme: Salary Sacrifice for EV Charging
The Electric Car Scheme is the only major provider to offer a fully integrated salary sacrifice solution for EV charging costs. The Charge Scheme allows employees to salary sacrifice the cost of charging their EV - at home, at work, or in public - saving a further 20–50% on their charging bills, using a single app and card across all networks. Learn more at The Charge Scheme. The Charge Scheme can plug into any existing electric car salary sacrifice scheme, as an add-on - regardless of provider.
Vehicle Range: New and Used EVs
The Electric Car Scheme offers access to a broad range of new electric cars across every budget - from the Dacia Spring at the affordable end, to premium models from Tesla, BMW, Audi, and Polestar. A growing used EV offering extends accessibility further down the salary scale, with used cars available for delivery within 14 days.
Hybrid Cars
The Electric Car Scheme offers selected hybrid cars - models emitting 75g/km CO₂ or below with confirmed Euro 6e classification, achieving up to 30% savings through salary sacrifice.
What Makes The Electric Car Scheme Different
There are several salary sacrifice providers in the UK market. Here is what genuinely sets The Electric Car Scheme apart from all of them:
Named Best Salary Sacrifice Provider - thrice.
Car Sloth named The Electric Car Scheme the UK's best salary sacrifice provider in both 2024 and 2025, and EV Salary Sacrifice Provider of the Year 2026 by SME news UK Transport Awards (2026) - based on criteria including price competitiveness, vehicle range, employer protection, charging integration, and customer satisfaction. No other provider has matched this recognition.
The only scheme that covers salary sacrifice for charging.
Through The Charge Scheme, employees can salary sacrifice their EV charging costs at home, at work, and in public - saving 20–50% on every charge. No other major provider offers this. It is an industry-first that reduces the total cost of EV ownership beyond the car itself.
Complete Employer Protection with no waiting period.
The Electric Car Scheme is the only major provider offering Day 1 employer protection with no excess, no exclusion periods, and no cap on terminations. Providers such as Octopus EV and Tusker only begin protection after three months, leaving employers financially exposed during the most common period of early churn.
New and used EVs in one scheme.
The Electric Car Scheme offers both new and used electric vehicles, with used cars available for delivery within 14 days. This means businesses with a diverse workforce can offer one scheme that works for employees at every salary level - not just those who can afford a brand-new car.
B Corp certified and independently verified.
The Electric Car Scheme is a certified B Corp, meeting rigorous standards for social and environmental performance. For businesses with published ESG commitments or Scope 3 emissions targets, this matters. It is not self-declared sustainability - it is independently verified accountability.
Trusted at scale.
The Electric Car Scheme serves thousands of employees across hundreds of UK businesses, including household names. The scheme is built to handle large, diverse workforces without placing disproportionate administrative burden on HR or Finance teams.
Rated Excellent on Trustpilot.
With a 5-star Trustpilot rating from thousands of verified reviews, the quality of The Electric Car Scheme's service is documented publicly - not just in sales materials.
Book a demo or get an instant quote to see how much your team could save on an electric car salary sacrifice scheme.
2. Octopus EV - Great for Bundled Energy + EV Integration
Octopus Electric Vehicles is the salary sacrifice arm of the wider Octopus Energy Group. Its primary appeal is the integration between the EV lease, home charging, and energy tariffs - particularly the Intelligent Octopus Go off-peak tariff, which enables cheap overnight EV charging.
Employees can access new and "nearly new" EVs, along with a free home charger (with standard installation) or public charging credit through Octopus Electroverse. However, because Octopus EV funds its own vehicle supply rather than working as a broker, pricing flexibility is more limited. Critically, termination protection only begins after three months - meaning employers carry financial exposure during the early weeks of each lease. There are limited used EVs available - depending on available stock, and the charging perks are tied to using Octopus's own energy products, which will not suit every business or employee setup.
Choose The Electric Car Scheme over Octopus EV if:
You want employer protection from the very first day of the lease and cannot afford the financial risk of the first three months going unprotected; your employees are not Octopus Energy customers and do not want to switch energy provider to access charging benefits; you need used EVs to make the scheme accessible across all salary levels; or you want a charging saving solution that works across all networks, not just Octopus Electroverse.
3. Tusker - Great for Large Employers Seeking an Established Provider
Tusker is one of the UK's longest-running salary sacrifice car providers, with extensive experience working with large public and private sector employers. Its all-inclusive lease model covers key running costs in a single monthly payment.
Tusker's Lifestyle Protection covers redundancy, long-term illness, and parental leave - but only after the first three months of each lease. During that initial period, employers carry the risk of early termination. There are limited EV options depending on stock, and no dedicated charging integration. Pricing is set by Tusker directly, which can mean less competitiveness than broker-based models.
Choose The Electric Car Scheme over Tusker if:
You want employer risk cover from day one rather than after three months; you need used EVs to extend the scheme to lower-salary employees; you want a salary sacrifice solution for charging costs; or your business wants best-market pricing through a multi-funder broker model rather than a single direct leasing provider.
4. loveelectric - Good for Transparent Broker Pricing
loveelectric is an Edinburgh-based B Corp-certified salary sacrifice broker. Like The Electric Car Scheme, it operates as a broker rather than a direct leasing company, sourcing vehicles from a network of funders to secure competitive pricing.
Its primary selling points are pricing transparency - the service fee is structured to be equivalent to the Employer NIC savings generated - and strong inclusivity credentials, with the scheme open to employees earning £27,000 or above. loveelectric offers both new and used EVs (branded as Reloved®), and its Zero Risk Guarantee covers employers from Day 1 for redundancy, resignation, illness, and bereavement - however this is charged as scheme fees to employees.
Where it differs from The Electric Car Scheme is primarily in charging integration. loveelectric's Charge Card provides access to public charging networks with some savings, but it does not offer a salary sacrifice solution for charging costs. The Electric Car Scheme's Charge Scheme allows employees to salary sacrifice their entire EV charging spend - at home, at work, and in public - delivering a further 20–50% saving that loveelectric cannot currently match. loveelectric also does not hold the external awards recognition or the scale of verified Trustpilot reviews that The Electric Car Scheme has accumulated.
Choose The Electric Car Scheme over loveelectric if:
Your employees regularly use public charging and want to salary sacrifice those costs; you want an independently recognised, award-winning provider with a documented track record at scale; or your workforce spans salary bands where maximising net savings - including charging - makes a material difference to scheme uptake.
5. Zenith - Best for Corporates Integrating Fleet and Salary Sacrifice
Zenith's salary sacrifice scheme is designed primarily for large corporate clients that already run company fleet programmes. It provides a consistent, fully managed service with payroll integration and fleet management tools.
Because Zenith operates as a direct leasing company rather than a broker, pricing depends on its own vehicle supply, which limits flexibility. While this salary sacrifice scheme doesn't offer used electric vehicle options or dedicated charging integration, it's not exclusively focused on electric cars. This may be a key consideration for businesses prioritising sustainability when choosing the best electric car salary sacrifice scheme provider. Many leading providers specialise in EVs, offering a more focused approach
Choose The Electric Car Scheme over Zenith if:
You want EV-dedicated expertise rather than a generalist fleet provider; you need pricing competitiveness through a multi-funder model; your employees need access to used EVs; or your business wants an EV salary sacrifice scheme that comes with dedicated charging integration and B Corp sustainability credentials.
6. Fleet Alliance - Best for Broad Leasing Choice
Fleet Alliance is a long-established UK fleet leasing broker that offers salary sacrifice as part of a wider range of leasing services, including petrol, diesel, and hybrid vehicles outside the scheme. For employers wanting multi-fuel flexibility, this is an advantage.
Within the salary sacrifice scheme itself, Fleet Alliance offers a strong selection of new EVs from across the market. It does not currently publish a service fee, and it does not have a zero-risk or complete employer protection product comparable to The Electric Car Scheme's. There are no used EV options and no bundled charging integration.
Choose The Electric Car Scheme over Fleet Alliance if:
You want a dedicated electric car salary sacrifice scheme with full employer protection from day one; your employees need used EVs or salary sacrifice charging; or you want transparent, published pricing and a provider with verified awards recognition and a 5-star Trustpilot rating.
7. EZOO - Best for Small Businesses Wanting a Personal Touch
EZOO is a family-run EV salary sacrifice provider founded in 2018, positioning itself as a smaller, more personal alternative to the larger commercial providers in the market. It offers both new and used electric vehicles through an all-inclusive salary sacrifice scheme, with contract terms available from as little as 12 months - one of the more flexible minimum terms available.
The scheme covers the standard inclusions: fully comprehensive insurance, servicing, maintenance, breakdown cover, and road tax in a single monthly payment.
However, there are notable limitations. EZOO's Early Termination Protection only applies if an employee leaves after three months of vehicle delivery - meaning employers carry the full financial risk during the initial period of each lease, the same gap found in Octopus EV and Tusker. Pricing is not publicly listed; employees access personalised quotes through a portal once their employer is signed up, which limits the ability to run transparent, like-for-like comparisons before committing. EZOO also does not offer a salary sacrifice solution for EV charging costs, and does not hold the independent awards recognition or scale of Trustpilot reviews that larger providers carry.
Choose The Electric Car Scheme over EZOO if:
You want employer protection from the very first day of each lease with no exclusion period; you need a provider with publicly verifiable pricing and an independently recognised track record at scale; your business requires robust HR and payroll reporting tools for a larger workforce; or your employees want to salary sacrifice their EV charging costs in addition to the vehicle itself.
8. DriveElectric - Best for EV Leasing Experience
DriveElectric is one of the UK's longest-standing specialist EV leasing companies, having focused exclusively on electric vehicles since 2008. It launched its salary sacrifice offering in late 2023.
As a direct leasing provider, it controls its own vehicle supply, which provides consistency but limits pricing flexibility. Only new EVs are available, and the details of employer protection and service fees are not publicly disclosed, making direct comparison more difficult.
Choose The Electric Car Scheme over DriveElectric if:
You want transparent pricing you can verify before committing; you need employer protection terms that are publicly documented and independently recognised; your workforce needs used EVs; or you want the confidence of a scheme that has been operating at scale for longer and has an established Trustpilot track record.
Key Questions to Ask When Choosing an Electric Car Salary Sacrifice Provider
When does employer protection start?
This is arguably the most important question to ask any provider. Some schemes only begin protecting employers after three months - meaning any employee who leaves in the first 12 weeks triggers a financial liability for the business. The Electric Car Scheme's Complete Employer Protection begins from Day 1, with no exclusion periods and no excess. Read more about what to look for in employer protection.
Are new and used EVs both available?
Access to used EVs significantly expands the scheme to lower-salary employees who might not be able to afford a new EV even with salary sacrifice savings. The Electric Car Scheme offers both, with used EVs available for delivery within 14 days.
Can I salary sacrifice EV charging as well as the car?
Yes - through The Electric Car Scheme's Charge Scheme, employees can salary sacrifice the cost of EV charging at home, at work, or on public networks, saving a further 20–50% on their charging bills. This is currently unique to The Electric Car Scheme; no other major provider offers salary sacrifice for charging costs.
What's the difference between a salary sacrifice broker and a leasing company?
Some providers distinguish between brokers and direct leasing companies, arguing that broker models always deliver better pricing. In practice, pricing competitiveness depends on funder relationships, volume, and transparency - not the business model alone. The Electric Car Scheme operates a multi-funder broker model, sourcing vehicles from a network of leasing companies to ensure the best available prices. Employees can verify this through The Electric Car Scheme's savings calculator.
How is the scheme priced?
Broker-based models, like The Electric Car Scheme, source vehicles from multiple funders and pass savings directly to employees. Direct leasing providers set their own prices. Run like-for-like quotes across different salary bands to see the real difference.
Is the scheme genuinely cost-neutral for employers?
Running a salary sacrifice scheme should cost your business nothing. The Employer NIC savings generated by reduced gross salaries typically offset any fees. The Electric Car Scheme is free to set up - confirm this with any prospective provider before signing. For more on how salary sacrifice affects businesses, see our salary sacrifice employer guide.
What do other employees say?
Trustpilot ratings and client testimonials provide a useful signal of real-world service quality. The Electric Car Scheme is rated "Excellent - 5 stars" on Trustpilot, serving thousands of customers across the UK. Named Best Salary Sacrifice Provider by Car Sloth in both 2024 and 2025. See what our clients say.
How much can employees save through electric car salary sacrifice in 2026?
With BiK tax at 4% for 2026/27, electric car salary sacrifice is the most tax-efficient route to a new EV available to UK employees. A typical employee can save between 20% and 50% compared to a personal lease, depending on their tax bracket and the vehicle they choose.
For example, a Nissan Ariya with an average monthly salary sacrifice cost of £584 (inc. VAT) becomes a net cost of approximately £393 per month for a 40% taxpayer - after Income Tax and National Insurance savings, and accounting for BiK tax. That is a monthly saving of £191 on a single vehicle, before factoring in any additional savings through The Charge Scheme.
To see your personalised savings, use The Electric Car Scheme's savings calculator, or read our full guide to Benefit-in-Kind tax and electric cars.
Frequently Asked Questions About Electric Car Salary Sacrifice Providers
What is the best electric car salary sacrifice scheme provider in the UK?
The Electric Car Scheme is the UK's best electric car salary sacrifice provider for 2025/26, named Best Salary Sacrifice Provider by Car Sloth for the second year running. It offers Complete Employer Protection from Day 1, the industry-first Charge Scheme for salary sacrificing EV charging costs, access to both new and used EVs, and a cost-neutral model for employers - making it the most comprehensive package in the market.
Which salary sacrifice providers offer employer protection from Day 1?
The Electric Car Scheme offers Complete Employer Protection from the very first day of every lease, with no exclusion periods, no excess, and coverage for redundancy, resignation, illness, parental leave, and vehicle damage. loveelectric also offers a Zero Risk Guarantee from Day 1. Octopus EV and Tusker both only begin protection after three months, leaving employers exposed during the most common period of early staff changes.
Can employees salary sacrifice the cost of EV charging?
Yes - through The Electric Car Scheme's Charge Scheme. Employees can salary sacrifice the cost of EV charging at home, at work, or on public networks, saving a further 20–50% on their charging bills. This is currently only available through The Electric Car Scheme and represents a significant additional saving on top of the vehicle itself.
What is the BiK rate for electric cars in 2025/26?
The Benefit-in-Kind (BiK) rate for electric vehicles is 3% for the 2025/26 tax year. This will rise by 1% per year to 5% in 2027/28, then increase in 2% increments to a cap of 9% in 2029/30 - still significantly below the maximum 37% rate for high-emission petrol or diesel cars.
How much can I save through electric car salary sacrifice?
Most employees save between 20% and 50% on the cost of leasing an EV compared to a standard personal lease. The exact saving depends on your income tax band, National Insurance contributions, and the vehicle you choose. Some providers quote higher figures - always check whether the savings calculation accounts for BiK tax. Use our salary sacrifice calculator for a personalised, net figure.
Are used EVs available through salary sacrifice?
Yes. The Electric Car Scheme offers a used EV salary sacrifice option with a wide range of vehicles available for delivery within 14 days - making the scheme more accessible for employees at lower salary levels.
Does salary sacrifice affect my mortgage?
Salary sacrifice reduces your gross salary, which can affect mortgage affordability assessments. EV salary sacrifice is a business contract hire - so does not affect individual credit score. Read our guide on salary sacrifice and mortgages for more detail.
Is there any cost to employers to set up a salary sacrifice scheme?
No. The Electric Car Scheme is free to set up for employers. The scheme is cost-neutral: the National Insurance savings generated by reduced gross salaries offset any running costs. The Electric Car Scheme can generate NI savings for the employer.
Final Recommendation: Why The Electric Car Scheme Is the Clear Choice
After systematically comparing eight UK providers across seven critical criteria, I'm confident The Electric Car Scheme is the definitive choice for businesses that want:
Complete employer protection from Day 1 - not after 3 months like Octopus EV, Tusker, and EZOO
The only integrated salary sacrifice solution for charging costs - delivering 20-50% additional savings that no other major provider offers
Both new and used EVs - ensuring scheme accessibility across all salary levels, unlike Tusker, Zenith, Fleet Alliance, and DriveElectric
Multi-funder broker pricing - proven to be more competitive than the direct leasing models used by Octopus EV, Tusker, Zenith, and DriveElectric
Independent verification - three major industry awards (Car Sloth 2024, 2025; SME News 2026) that no competitor has matched
Documented service quality - 5-star Trustpilot rating from thousands of verified reviews
B Corp certification - independently verified sustainability credentials
For businesses serious about offering a best-in-class electric car salary sacrifice scheme - one that protects the employer from day one, maximises employee savings through charging integration, and serves employees at every salary level - The Electric Car Scheme is not just the best option. It is the only provider that delivers all seven advantages simultaneously.
Book a demo today - or read more about what to look for when choosing a salary sacrifice provider.
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Last Updated: 27/03/2026
Our pricing is based on data collected from The Electric Car Scheme quote tool. All final pricing is inclusive of VAT. All prices above are based on the following lease terms; 10,000 miles pa, 36 months, and are inclusive of Maintenance and Breakdown Cover. The Electric Car Scheme's terms and conditions apply. All deals are subject to credit approval and availability. All deals are subject to excess mileage and damage charges. Prices are calculated based on the following tax saving assumptions; England & Wales, 40% tax rate. The above prices were calculated using a flat payment profile. The Electric Car Scheme Limited provides services for the administration of your salary sacrifice employee benefits. The Electric Car Scheme Holdings Limited is a member of the BVRLA (10608), is authorised and regulated by the FCA under FRN 968270, is an Appointed Representative of Marshall Management Services Ltd under FRN 667174, and is a credit broker and not a lender or insurance provider.
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