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Auto Loan

We help people get lower payments

Shopping around? We're confident we can get you an auto loan you'll absolutely love.

Start Application View Rates

Rates as low as 5.99% APR*

Save more every month with a rate that won’t keep you tied down.

Estimate your payment

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.

Get a Free Quote

Here's how it works

1

Apply online

Fill out your auto loan application right here online.

2

Get pre-approved

Get pre-approved for a set price after we review your application.

3

Shop with knowledge

Enjoy more negotiation power when you search for your car.

Get a new or used car you love

Monthly Payment

How much is the car you want?
$
Interest rate*
Term (Months)
12
84

Frequently Asked Questions

Up to one business day.

Yes, you can borrow cash against your vehicle as long as you have equity in the vehicle, and qualify for the loan.

We offer terms up to 84 months. Please note the term of your loan may impact your rate.

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 80204

CPI 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 78269-21

Email: [email protected]

Please check the status of your loan application by calling 303-573-1170, or using our Lending Contact Form.

Yes, you can apply for a loan online from the comfort of your home.

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.

View more Auto Loan FAQs

I had a great experience refinancing my car with Zing. The refi drastically decreased my interest rate and my monthly payment. It was also a very quick and easy process.

Keanna R.

Resources

FAQs

Check out our frequently asked questions for more insight about our Auto Loans.

Required Documents

Find out which documents you need for your loan.

Car Buying Questions

Our e-course is a great place to learn all about buying a car and auto loans.

Proof of Insurance

You’ll need to verify your insurance to get an auto loan.

GAP Advantage

Protect your loan even when accidents happen!

Still have questions?

Get in touch with us!

Auto Loans 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 5.99% APR would be $19.32 per $1,000.

**Negative amortization may occur.  Must have A or B credit to receive 90 days of no payments.