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Solutions for a Fresh Start

It’s not always easy to make ends meet, keep food on the table, and gas in the car so you can make it to work each day. Tough times happen when you least expect them – that’s why we’re here, to help you make it through. 

As a certified Community Development Financial Institution (CDFI), Zeal is positioned to help hardworking Americans who need us most. Through grant fund allocation and a strong financial support system, we have the honor and privilege of serving members in our local communities with solutions that make the difference. Let us help you get to exactly where you want to be.


With Zeal, you have access to a variety of solutions to empower and support you through any rough patches on your financial journey…

Need It Loan

16.25% APR!*

Build It Loan

9.99% APR!*

See Details Below.

Need It Loan

Hey, things happen, we totally get it! When life doesn’t go as you planned, our Need It loan is here!

If you’ve had challenged credit, late payments, collections or charge-offs in the past, and you need a loan… we’re here to help. There’s more to you than your payment history.

Just getting started on the path to building healthy credit? Never had a loan before? And need cash for an important purpose? The Need It loan is just for you!

If you have:

  • 2+ years of employment history
  • Full direct deposit here at Zeal
  • 6+ months of on-time payments

… apply for the Need It loan right now and you could be on your way to a new beginning. Get ready to celebrate because those tough times you’ve been experiencing? You’re about to make it through!

With a 16.25% APR!* PLUS the opportunity to qualify for a 0.25%* rate reduction in 20 minutes or less you’ll be back on your feet in NO TIME!

Simply enroll and complete (2) approved GreenPath financial wellness courses and send us your course certificate of completion to receive your rate discount.*

To qualify for the 0.25% discount upon approval, complete the following two (2) courses:

APPLY NOW: 

*APR = Annual Percentage Rate. Need It Personal Loan Rate is 16.25% APR as of 5/1/2024. The repayment period for a Need It loan ranges from 12 months to 48 months. Qualification based on applicant’s creditworthiness. Other personal loan rates and terms available base on applicant’s creditworthiness, term, and loan amount. Loan cannot be used to refinance existing Zeal Credit Union loans. Rates subject to change. Other restrictions may apply. Payment example: $1,000 for 12 months at 16.25% has payments of $90.85 per month.

**Offer is available for Zeal Credit Union Need It and Build It Loans. To qualify for the .25% rate discount, applicant must present a certificate of completion to Zeal prior to loan closing of two (2) Greenpath Financial Education courses as listed on the ZealCU.org/Fresh-Start page. Application must be taken between now through May 31, 2024. Offer may not be combined with any other promotion or discount. The offer has no cash value This offer is non-transferable.

Build It Loan

Does good credit feel nearly impossible to achieve? Or almost always out of reach? Maybe you’ve run into a few obstacles along the way, or you’re not sure where to start when it comes to establishing credit. No matter the challenge, our Build It credit builder loan is here to help.

Our Build It loan is unique in that it allows you to build your credit history while making payments towards your loan. Instead of receiving the loan proceeds upfront, as you continue making payments, you can either withdraw the amount you’ve paid (minus interest) or keep making payments until you’ve paid off the loan completely.

Once you’ve paid off your loan, your original loan balance will be available for you to withdraw and spend as you need it -OR- put it right back into savings to make your money work harder for you!

Think of the Build It credit builder loan as a way to help you start to Pay Yourself First, setting aside some money each month to save while building credit along the way.

If you have:

  • 2+ years of employment history
  • Full direct deposit here at Zeal

… apply for the Build It loan right now and you could be on your way to a new beginning. Get ready to celebrate because those tough times you’ve been experiencing? You’re about to make it through!

With a 9.99% APR!* PLUS the opportunity to qualify for a 0.25%* rate reduction in 20 minutes or less (available for our Need It loan only) you’ll be back on your feet in NO TIME!

Simply enroll and complete (2) approved GreenPath financial wellness courses and send us your course certificate of completion and receive your rate discount upon approval.*

To qualify for the 0.25% discount upon approval, complete the following two (2) courses:

APPLY NOW: 

*APR = Annual Percentage Rate. Build it loan rate is 9.99% for a loan of $1,000 with a 12 month repayment term as of 5/1/2024. Qualification based on applicant’s creditworthiness. Other secure savings personal loan rates and terms available and subject to credit approval. Loan cannot be used to refinance existing Zeal Credit Union loans. Other restrictions may apply. Rates subject to change. Payment Example: $1,000 for 12 months at 9.99% is $87.91.

**Offer is available for Zeal Credit Union Need It and Build It Loans. To qualify for the .25% rate discount, applicant must present a certificate of completion to Zeal prior to loan closing of two (2) Greenpath Financial Education courses as listed on the ZealCU.org/Fresh-Start page. Application must be taken between now through May 31, 2024. Offer may not be combined with any other promotion or discount. The offer has no cash value This offer is non-transferable.