Vehicle Loans

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New/Used Cars

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)

When you buy a vehicle or RV, there’s no way to know if it will be stolen or totaled in an accident. Many times, primary insurance settlements don’t pay off a loan balance. With MEMBER’S CHOICE Guaranteed Asset Protection, you’re protecting your investment against a possible financial loss.

Frequently Asked Questions

*APR = Annual Percentage Rate. Promotional rates as low as 3.49% 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. To receive promotional rate, you must have a savings and checking account at Zeal Credit Union 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.