Please note: Text Messaging and Phone Call Imposter Scams are on the rise. Don't click on unfamiliar links or respond to unexpected texts. Zeal staff will never ask for your personal information or online banking login over the phone, email, or text messages. Protect yourself. Visit our Fraud Prevention page.

Vehicle Loans

Vehicle Loans

New/Used Cars

We’re offering rates as low as 4.74% 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 ten years for New Vehicles or seven years for Used!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

REFINANCE

Drive Your Way, Choose What You Pay

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

Need to refinance quickly? Just provide:

  • Vehicle Information (VIN or Title)
  • Insurance Information
  • Income
  • $16 title fee
Apply Rates
Classic car financing

Classic Car Financing

Ready to hit the road in a vintage ride?

A Classic Car Loan from Zeal can help you get behind the wheel of the car you’ve always wanted. With low rates, flexible terms, and Zeal’s commitment to providing a smooth loan experience from application to close, bringing home your dream car is easier than ever.

Follow the link below to learn more and apply for your Classic Car financing today!

Learn More Rates
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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 during regular business hours.

*The minimum loan amount is $5,000 for model years 2017 and older (not including Classic Auto) and $10,000 for model years 2018 – 2021. Model years 2022 and newer have a minimum loan amount of $10,000 for terms up to 72 months, $25,000 for terms of 73-84 months, $50,000 for terms 85-96 months, and $75,000 for terms of 97-120 months. Subject to change at any time without notice. Speak with a Zeal loan representative to learn more.

**APR= Annual Percentage Rate. Subject to credit approval. Rates current as of 6/10/2026 and are subject to change without notice. Your APR and other terms will be based on your creditworthiness and age of vehicle. As low as APR reflects A+ credit, a 0.25% rate discount, shortest term, and the vehicle model year listed. Rate discount available to approved borrowers who enroll in automatic payments from their Zeal Credit Union checking account. Other rates and terms are available. Minimum loan amounts depend on model year and term. A down payment of 0% – 25% may be required. Other restrictions may apply.

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