We help people get lower payments
Shopping around? We're confident we can get you an auto loan you'll absolutely love.
With rates as low as 5.24% APR*
Save more every month with a rate that won’t keep you tied down.
90 days of no payments
Receive a break from your payments with qualifying credit.**
Need car insurance?
Enjoy special discounts by shopping through our partner TruStage.
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1
Apply online
Fill out your auto loan application right here online.
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2
Get pre-approved
Get pre-approved for a set price after we review your application.
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3
Shop with knowledge
Enjoy more negotiation power when you search for your car.
Rates as low as 5.24% APR*
Get a new or used car you love
Monthly Payment
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A good copy of the current registration, with current mileage on the auto.
A good copy of your current driver’s license, for all borrowers on the loan.
A 10-day payoff quote, complete with account # and daily finance charge.
Optional: 30-days’ worth of pay stubs. -
6-84 months. Terms are subject to change.
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Check out our current rates here.
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Yes! Get preapproved by applying online, calling us, or coming into a branch. We recommend getting preapproved before you shop to make the buying process easier.
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Up to one business day.
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Yes, you can borrow cash against your vehicle as long as you have equity in the vehicle, and qualify for the loan.
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We offer terms up to 84 months. Please note the term of your loan may impact your rate.
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Zing Credit Union requires all vehicles financed to carry auto insurance coverage with a $1,000 deductible or less where Zing Credit Union is named as the lienholder. Insurance coverage is routinely checked. If it is indicated that your insurance has lapsed or your coverage has dropped from the acceptable level, the credit union has the right to place Collateral Protection Insurance (CPI) on your vehicle. This is an added monthly fee that is charged until proof of insurance, loss payable and deductible are provided to the credit union.
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Collateral Protection Insurance is coverage that protects against physical damage and protects the credit union’s interest in your vehicle (your loan’s collateral).
Your signed loan documents give Zing Credit Union the right to force-place CPI on your vehicle when coverage has lapsed. To avoid CPI, it is important to inform your insurance provider to name Zing Credit Union as the “Loss Payee/Lienholder” on your policy. To mail insurance verification, please use the following address:
Zing Credit Union
1075 Acoma St.
Denver, CO 80204CPI is not a substitute for finding your own insurance. It is often much more expensive than auto insurance you would find from typical providers. CPI does not provide protection for third-party bodily harm or injury, or to other property. CPI only protects the vehicle as the collateral of the loan. If you are in need of insurance or would like to shop around for a better deal, check out Trustage to get a free quote.
To provide proof of insurance, please visit any branch location. If you received a letter about missing insurance or a lack of insurance coverage, you can provide proof of insurance electronically by visiting https://zingcu.imcovered.com.
If you would like to mail, email or fax your proof of insurance:
Mail:
PO Box 692130
San Antonio, TX 78269-21Email: [email protected]
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GAP is Guaranteed Asset Protection and is often added or sold at the time of loan closing. It covers the difference between what insurance covers and the amount you owe on your loan should your vehicle be totaled. Even the best insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car owner has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement. GAP will help fill the remaining balance of your loan and what insurance pays. Plus with Zing’s GAP Advantage, you’ll get back on the road more quickly with a $1,000 allowance to finance a replacement vehicle with us.
To learn more about GAP Advantage, call 303-573-1170 or use our contact form.
*Guaranteed Asset Protection is considered insurance coverage in some states.
Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should carefully read the contract for a full explanation of the terms.
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Yes, you can apply for a loan online from the comfort of your home.
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You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.
I had a great experience refinancing my car with Zing. The refinance drastically decreased my interest rate and my monthly payment. It was also a very quick and easy process.
Auto Loan Resources
Get Pre-Approved for an Auto Loan in Denver Disclosures
*APR is Annual Percentage Rate. With approved credit and income verification. Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. Auto Loan Payment Example: For a $10,000 loan with a 60-month term, payments at 5.24% APR would be $18.98.
**Negative amortization may occur. Must have A or B credit to receive 90 days of no payments.
0.75% refinance discount is subject to floor rates. May only be combined with the 0.25% member discount. All other discounts are not applicable. Internal refinances are subject to $150 refinance fee unless $1,500 in new money is added to the loan. By adding GAP, the member may avoid the refinance fee or new money requirement. This offer is valid for well-qualified borrowers with a 700 credit score and above. Zing Credit Union reserves the right to discontinue this offer at any time.
Rates
| Account | Annual Percentage Rate |
|---|---|
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Auto Loan* |
5.24 - 18.00% |
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Motorcycle & Scooter* |
7.99 - 18.00% |
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Recreational Vehicle*
|
7.99 - 18.00% |
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Recreational Vehicle*
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7.99 - 18.00% |
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Personal Loan
|
12.99 - 18.00% |
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Personal Loan
|
9.99 - 18.00% |
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Platinum Credit Card
|
12.99% |
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Platinum Credit Card
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18.00% |
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Overdraft Line of Credit |
18.00% |
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Share Secured |
5.25% |
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Credit Builder |
24 mo. CD + 10.00% |
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Certificate of Deposit Secured |
Certificate rate + 3.00% |
Rates effective as of: February 17, 2025
All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.
*Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.
Auto Loan Payment Example: For a $10,000 loan with 60-month term payments at 5.24% APR, the monthly payment would be $18.98.
Motorcycle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
**Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 12.99% APR, the monthly payment would be $22.75.
***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $21.24.
**** Visa Platinum Card is subject to a $25 annual fee. Foreign transaction fee of 1.00% of each multiple currency transaction in U.S. dollars, or 0.80% of each single currency transaction in U.S. dollars applies.
See disclosure for complete details.
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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