The Zeal Credit Union is a auto loan from Zeal Credit Union. The ongoing APR is as low as 5.99 % Up to 60 months; as low as 6.49% 61 – 120 months; as low as 6.99% 121 – 180 months; as low as 7.49% 181 – 240 months. Rates current as of 10/1/2026.. Typical credit limit: The minimum loan amount is $3,000.. Loan terms: Up to 60 months; 61 – 120 months; 121 – 180 months; 181 – 240 months.