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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)
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:
- $16 title fee
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, Monday through Friday, 8:45am – 6:00pm).
Frequently Asked Questions
*APR = Annual Percentage Rate. Promotional rates as low as 5.49% APR. Actual rate is based on applicant’s credit worthiness and age of vehicle. The minimum loan amount is $3,000 with a down payment of 0% to 25% based on credit score. You must have a saving and checking account at Zeal Credit Union to receive promotional rate and you must also sign up for automatic payment deductions from that checking or savings account. Refinances from other institutions qualify as long as the vehicle is 2018 or newer. Other rates and terms are available. Other restrictions may apply.
**Interest will continue to accrue at the member’s qualified rate during the 60 days before the first payment is due.