We are closed Mon, May 27 for Memorial Day. | Due to scheduled maintenance, on TH, 5/30 from 9:30a to 2p, Online/Mobile Banking (as well as payment reminders, low balance alerts, etc.) will be temporarily unavailable. Thank you for your patience.

Vehicle Loans

New/Used Cars

We’re offering rates as low as 5.99% APR*

Click below to create a loan login and begin the application process.

When it comes to financing a car, you deserve a simple and straightforward auto loan. At Zeal Credit Union, you get just that — no hidden fees or confusing fine print. You can finance new or used vehicles. We offer competitive interest rates and loan terms up to seven years. 100% financing is available for qualified borrowers. You can even defer payments for up to 60 days.** Our goal is for you to head out the door pre-approved, with bargaining power and, ultimately, confidence.

We can even get you instantly approved – just bring:

  • Purchase Agreement (if you already found the car of your dreams)
  • Income
  • Insurance


Want to lower your monthly payment? Consider refinancing your current high-rate loan from another financial institution. You could save hundreds of dollars.

Need to refinance quickly? Just provide:

  • Title
  • Insurance
  • Income
  • $16 title fee
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Protect Your Loan With Guaranteed Asset Protection (GAP)

In the event an RV or vehicle you own is involved in an accident and is a total loss, GAP insurance covers the difference between your loan balance and the value of the asset (covers the difference should you you owe more on your loan balance than the auto, RV, etc. is worth.)

Oftentimes, primary insurance settlements don’t pay off a loan balance, and for those times, GAP is a great option. 

With Member’s Choice Guaranteed Asset Protection through Zeal, you’re protecting your investment against a possible financial loss. 

To learn more about GAP, contact our Lending Call Center at: 800-321-8570, ext. 7100, during regular business hours.

Frequently Asked Questions

*APR= Annual Percentage Rate. Subject to credit approval. Your APR will be based on your credit worthiness and age of vehicle. Promotional as low as rate of 5.99% APR reflects A+ credit and a 0.25% rate discount. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking or savings account. Rates current as of 5/3/2024 and are subject to change without notice. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply. Other rates and terms are available.

**Interest will continue to accrue at the member’s qualified rate during the 60 days before the first payment is due.