The Zeal Credit Union is a auto loan from Zeal Credit Union. The ongoing APR is 2024 and Newer: Terms up to 60 months as low as 4.74 %; 61 – 72 months as low as 5.24%; 73 – 84 months as low as 5.99%; 85 – 96 months as low as 6.49%; 97 – 120 months as low as 6.99%. 2022 – 2023: up to 60 months as low as 4.74%; 61 – 72 months as low as 5.24%. 2020 – 2021: up to 60 months as low as 5.49%; 61 – 72 months as low as 5.74%. 2018 – 2019: up to 60 months as low as 5.74%; 61 – 72 months as low as 5.99%. 2015 – 2017: up to 60 months as low as 6.49%. 2014 and Older: up to 60 months as low as 7.49%. Rates current as of 10/1/2026.. Typical credit limit: 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.. Loan terms: We offer competitive interest rates and loan terms up to ten years for New Vehicles or seven years for Used!.