Car shortlist

Eight used SUVs, priced out the door and compared on the same 60-month terms.

60 month term Financed on the out-the-door price Chase APR not confirmed — shown at 4.99% & 7.99% Carvana 6.99% confirmed · approved at $0 down

Chase & dealer listings

APR unknown — both rates shown, financing the out-the-door price with $5,000 down.

Vehicle	Listed	Out the door	Miles	/mo @ 4.99%	/mo @ 7.99%
2024 VW ID.4 Standard	$21,187	≈ $24,143	18,342	$361.16	$388.05
2024 VW ID.4 S	$21,784	≈ $24,824	20,781	$374.02	$401.87
2025 Chevy Blazer EV LT	$23,398	≈ $26,668	25,295	$408.80	$439.25
2024 Honda Prologue EX · P6904	$24,489	≈ $27,859	15,702	$431.27	$463.38
2024 Honda Prologue EX · P6902	$24,489	≈ $27,859	19,457	$431.27	$463.38
2025 Mazda CX-5	≈ $27,519	$30,924.50	3,686	$489.11	$525.53

Only the CX-5's out-the-door price is a real quote; the rest are estimated (see the note at the bottom). Its listed price is backed out of that quote.

Carvana — 6.99% confirmed

Rate is locked in, and approved at zero down. Payments finance the out-the-door price.

Vehicle	Listed	Out the door	Miles	/mo · $0 down	/mo · $5,000 down
2024 VW ID.4 Standard	$22,990	≈ $25,598	14,972	$506.74	$407.76
2024 Chevy Blazer EV 2LT	$25,990	≈ $28,966	24,243	$573.42	$474.43

Carvana charges no dealer doc fee, so its out-the-door adds only sales tax and registration.

Five years of ownership

Gas car at ~$30,000 out the door vs. electric at ~$27,000 out the door.

Cost	Gas (~$30k)	Electric (~$27k)	What drives it
Depreciation	$11,500 – $13,500	$12,000 – $14,000	The electric car's steepest drop already happened; both level out around $13k–$16k residual after 5 more years.
Fuel / energy	$14,000 – $15,500	$4,500 – $6,500	At ~$3.50/gal (26–28 MPG) vs. home Level 2 charging (~$0.16/kWh). See below — gas is well above $3.50 right now.
Financing (interest)	$4,500 – $5,500	$4,000 – $5,000	Assumes $5,000 down at standard used auto rates (~7–8% APR over 60 months).
Insurance	$7,000 – $8,500	$8,500 – $10,500	EVs still carry higher collision premiums because of battery pack replacement risk.
Maintenance & tires	$4,000 – $5,500	$3,500 – $4,500	No oil changes or transmission flushes on the electric, but budget for 2 sets of EV tires.
Taxes & registration	$2,800 – $3,500	$2,800 – $3,800	Sales tax is slightly lower on the electric purchase price, offset by Nevada's annual EV road fee.
5-year total	$43,800 – $52,000	$35,300 – $44,300	Electric saves roughly $7,000 – $9,000 at $3.50/gal.

At today's gas prices, the gap roughly doubles

Regular in Las Vegas is $5.16/gal today — $1.66 above the $3.50 the table assumes. Nevada averages $5.19, against $4.43 nationally.

≈ $15,100 saved over five years, about $252/month

Redoing just the fuel line at $5.16: the gas car burns $20,600 – $22,900 instead of $14,000 – $15,500, so its 5-year total becomes $50,400 – $59,400 against the electric's unchanged $35,300 – $44,300. On fuel alone the electric saves $14,100 – $18,400, versus $7,500 – $11,000 at $3.50/gal.

Those fuel figures imply about 22,000–23,000 miles a year (112,000–115,000 over five years). Drive less and every number shrinks, but the electric's advantage shrinks with it — the savings scale with miles.