What does "after … gas savings" mean? Is there some way to actually get spendable money here, or is this basically the same as saying my yacht was free because I saved so much money on not buying a bigger yacht?
There is/was an idea that lenders would be open to larger loans for EV cars as buyers would face reduced running costs, as opposed to a IC car. That largely hasn't materialized. Lifetime running costs of EVs just aren't as low as expected, particularly in the used car market. Getting anything fixed on a 10+yo EV is hit-or-miss in terms of cost.
My running costs have been very low. 100,000 miles and the only service visit has been a low-voltage (the small 12 volt, cheap) battery replacement. And, third party, getting new tires. Added my own wiper fluid. That's it. And power is very cheap compared to gas.
When you factor in the cost of incurring the loss of value as the resale price comes down, now you're talking about a real issue. Overall while I've saved on maintenance, it hasn't held value. So maybe it's a wash in that respect. But it's a fun car so I'm happy with it.
1% is nice, but I think a 72-month loan on a new car is a recipe for disaster. For almost all of that time period you will be "under water" on the loan, owing more than the car is currently worth.
Hahahaha it's a little like that except here the cheaper yacht is better.
(Dons serious hat) Since many people in our context (this thread) would consider a car something they might buy (as opposed to a yacht, I hope you would agree), to the extent that it is a purchase they are going to do anyway, for the not insignificant subset that's going to buy a new car, it's not a bad thing to save roughly $12,000 on said purchase while getting a car that's less smelly, more roomy, faster, more fun, and more safe.
If "roughly" doesn't work for you, the exact amount can be calculated during checkout at better EV purchase websites by putting in your local electricity cost, local gas cost, etc. if that's what you're asking.