Credit union · NCUA insured
Zing Credit Union Auto Loan Rates
Zing Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Zing Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Zing Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Zing Credit Union
5.74%APR
- Terms
- 6–84 months
- Up to
- 18.00% APR
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Up to
- —
Zing Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Zing Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Loans subject to credit approval, income verification, and employment verification. Rates dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. Vehicles financed must carry auto insurance coverage with a $1,000 deductible or less with Zing CU named as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| 6–84 months | 5.74%–18.00% | Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and whether the vehicle is new or used. Must have A or B credit to receive 90 days of no payments (negative amortization may occur). Terms available 6 to 84 months. |
Sources (2)
All captured Oct 22, 2026
Motorcycle & Scooter
Loans subject to credit approval, income verification, and employment verification. Rates dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.99%–18.00% | Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. Payment example: $10,000 loan with 60-month term at 7.99% APR is $20.27 per $1,000. |
Sources (1)
- myzing.com/loans/personal/personal-loans · captured Oct 22, 2026
Who can join Zing Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Adams County, Arapahoe County, Jefferson County, or Denver County.
Employers and groups
- Eligibility is open to members of Friends of the GoWest Foundation / Go West Foundation.
Family and household
- Eligibility is open to family members of current Zing Credit Union members.
Cost to join
- A $5 deposit into a Share Savings account is required to establish membership and ownership in the credit union.
Membership information collected October 4, 2026.