The Zeal Credit Union is a auto loan from Zeal Credit Union. The ongoing APR is as low as 6.99% Up to 84 months; as low as 7.49% 85 – 96 months; as low as 7.99% 97 – 120 months. Rates current as of 10/1/2026.. Typical credit limit: The minimum loan amount is $30,000.. Loan terms: Up to 84 months; 85 – 96 months; 97 – 120 months.