{"id":4367,"date":"2020-03-09T15:10:14","date_gmt":"2020-03-09T20:10:14","guid":{"rendered":"https:\/\/staging-1.zealcu.org\/?page_id=4367"},"modified":"2026-01-07T15:23:57","modified_gmt":"2026-01-07T20:23:57","slug":"vehicle-loans","status":"publish","type":"page","link":"https:\/\/www.zealcu.org\/vehicle-loans\/","title":{"rendered":"Vehicle Loans"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n<section data-block-id=\"block_5480bfd214ea75bb06a3a01d62c05369\" class=\"block--info-section info-section block--info-section--sm block--info-section--left block--info-section--color-orange \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/Zeal-Auto-Photo-Only-768x1024-1-1.jpg\" class=\"img-round--bordered img-round--bordered--color-orange lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/1024;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">New\/Used Cars<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <p>We\u2019re offering rates as low as <strong><span class=\"zeal-widget zeal-widget-rate zeal-widget-rate--body\"><span><span class=\"zeal-rate-widget__rate-range__min\">4.74<\/span><span class=\"zeal-rate-widget__rate-range__pct\">%<\/span><\/span><\/span> APR*<\/strong>&#8230;<\/p>\n<p><span class=\"body\">Click below to create a loan login and begin the application process.<\/span><\/p>\n<p><span class=\"body\">When it comes to financing a car, you deserve a simple and straightforward auto loan. At Zeal Credit Union, you get just that \u2014 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.<\/span><\/p>\n<p><span class=\"body\">We can even get you instantly approved \u2013 just bring:<\/span><\/p>\n<ul>\n<li><span class=\"body\">Purchase Agreement (if you already found the car of your dreams)<\/span><\/li>\n<li><span class=\"body\">Income<\/span><\/li>\n<li><span class=\"body\">Insurance<\/span><\/li>\n<\/ul>\n<p><span class=\"body\"><strong>REFINANCE<\/strong><\/span><\/p>\n<p><span style=\"color: #f26822;\"><strong>Drive Your Way, Choose What You Pay<\/strong><\/span><\/p>\n<p><span class=\"body\">Want to lower your monthly payment? Consider refinancing your current loan from another financial institution. You could save hundreds of dollars.<\/span><\/p>\n<p><span class=\"body\">Need to refinance quickly? Just provide:<\/span><\/p>\n<ul>\n<li><span class=\"body\">Vehicle Information (VIN or Title)<\/span><\/li>\n<li><span class=\"body\">Insurance Information<\/span><\/li>\n<li><span class=\"body\">Income<\/span><\/li>\n<li><span class=\"body\">$16 title fee<\/span><\/li>\n<\/ul>\n\n                <\/div>\n                                <div class=\"block--info-section__inner__actions\">\n                                                                    <a class=\"btn btn--color-orange \"\n                             target=\"_blank\" rel=\"noopener nofollow\"                             href=\"https:\/\/forms.fivision.com\/zealcreditunion\/oa\/default.aspx\"\n                                                    >Apply<\/a>\n                                                                                            <a class=\"btn btn--color-orange \"\n                             target=\"_blank\" rel=\"noopener nofollow\"                             href=\"https:\/\/www.zealcu.org\/rates\/#auto_rates_anchor\"\n                                                    >Rates<\/a>\n                                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-block-id=\"block_aac0433b48a367b4af43f9c9d2b6bed9\" class=\"block--info-section info-section block--info-section--sm block--info-section--right block--info-section--color-yellow \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/Web-HP_Image_768x1024-px-7.png\" class=\"img-round--bordered img-round--bordered--color-yellow lazyload\" alt=\"Classic car financing\" title=\"Web-HP_Image_768x1024 px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/1024;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">Classic Car Financing<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <p>Ready to hit the road in a vintage ride?<\/p>\n<p>A Classic Car Loan from Zeal can help you get behind the wheel of the car you\u2019ve always wanted. With low rates, flexible terms, and Zeal\u2019s commitment to providing a smooth loan experience from application to close, bringing home your dream car is easier than ever.<\/p>\n<p>Follow the link below to learn more and apply for your Classic Car financing today!<\/p>\n\n                <\/div>\n                                <div class=\"block--info-section__inner__actions\">\n                                                                    <a class=\"btn btn--color-yellow  btn--priority \"\n                             target=\"\" rel=\"noopener nofollow\"                             href=\"https:\/\/www.zealcu.org\/classic\/\"\n                                                    >Learn More<\/a>\n                                                                                            <a class=\"btn btn--color-yellow \"\n                             target=\"_blank\" rel=\"noopener nofollow\"                             href=\"https:\/\/www.zealcu.org\/rates\/#auto_rates_anchor\"\n                                                    >Rates<\/a>\n                                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-block-id=\"block_5c0301bb9af1aad886f614f11edcdb74\" class=\"block--info-section info-section block--info-section--sm block--info-section--left block--info-section--color-orange \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/zeal-Credit-Card-Campaign-SUMMER-photo-768x1024-1.jpg\" class=\"img-round--bordered img-round--bordered--color-orange lazyload\" alt=\"A man and a woman are smiling and laughing. He has his arm wrapped around her shoulder. They are outside on a sunny day.\" title=\"zeal-Credit-Card-Campaign-SUMMER-photo-768x1024\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/1024;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">Protect Your Loan With Guaranteed Asset Protection (GAP)<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <section class=\"block--info-section info-section block--info-section--sm block--info-section--left block--info-section--color-green \" data-block-id=\"block_5e6ff232de380\">\n<div class=\"block--info-section__inner__content\">\n<p><span class=\"intro body\">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 <em>auto, RV, etc.<\/em> is worth.)<\/span><\/p>\n<p><span class=\"body intro\">Oftentimes, primary insurance settlements don\u2019t pay off a loan balance, and for those times, GAP is a great option.\u00a0<\/span><\/p>\n<p><span class=\"intro body\">With <em>Member&#8217;s Choice<\/em> Guaranteed Asset Protection through Zeal, you\u2019re protecting your investment against a possible financial loss.\u00a0<\/span><\/p>\n<p>To learn more about GAP, contact our Lending Call Center at: <a href=\"tel:8003218570\" target=\"_blank\" rel=\"noreferrer noopener\">800-321-8570<\/a>\u00a0during regular <a href=\"https:\/\/www.zealcu.org\/locations\/\" target=\"_blank\" rel=\"noreferrer noopener\">business hours<\/a>.<\/p>\n<\/div>\n<\/section>\n\n                <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p class=\"has-intro-font-size\"><\/p>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p>*APR= Annual Percentage Rate.\u00a0Subject to credit approval. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional\u00a0<em>as low as\u00a0<\/em>rate of\u00a0<strong><span class=\"zeal-widget zeal-widget-rate zeal-widget-rate--body\"><span><span class=\"zeal-rate-widget__rate-range__min\">4.74<\/span><span class=\"zeal-rate-widget__rate-range__pct\">%<\/span><\/span><\/span><\/strong>\u00a0APR reflects A+ credit and a 0.25% rate discount.\u00a0Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. Rates current as of 1\/1\/2026 and are subject to change without notice. The minimum loan amount is $3,000. A down payment of 0% \u2013 25% is required based on your credit score. Other restrictions may apply. Other rates and terms are available.<\/p>\n\n\n\n<p>**Interest will continue to accrue at the member&#8217;s qualified rate during the 60 days before the first payment is due.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>*APR= Annual Percentage Rate.\u00a0Subject to credit approval. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional\u00a0as low as\u00a0rate of\u00a0\u00a0APR reflects A+ credit and a 0.25% rate discount.\u00a0Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. &hellip; <a href=\"https:\/\/www.zealcu.org\/vehicle-loans\/\">Continued<\/a><\/p>\n","protected":false},"author":29,"featured_media":31831,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-standard-page.blade.php","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"folder":[42],"class_list":["post-4367","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vehicle Loans - Zeal Credit Union<\/title>\n<meta name=\"description\" content=\"When it comes to financing a car, you deserve a simple and straightforward auto loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zealcu.org\/vehicle-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vehicle Loans - 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