As an Australian who earns under 100k and bought an electric car last year for 52,000$, it would have been cool if this was available then, but the actual interest saving is minimal. It's not really that low.
Scotland, on the other hand, gives you the loan entirely interest free.
but what if I am an under 100k qualifier who doesn't want to take on a loan at all (ie; give me a good deal on a cash sale)
You’re out of luck. Take the loan, invest the cash or pay down other debt. It’s some minor financial engineering to still capture the benefit.