Bank · FDIC insured
Zions Bank Auto Loan Rates
Zions Bank auto loans start at 6.53% APR for a new vehicle and 6.53% for a used one. Rates checked October 7, 2026.
How Zions Bank’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Zions Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Zions Bank
6.53%APR
- Terms
- 36–84 months
- Up to
- 12.70% APR
- Discount
- None included
Car Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Zions Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.53%
- Used vehicleUsed6.53%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Zions Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Car Loans
Purchase or refinance a new or used car, truck, or van. Up to 110% financing (Dealer MSRP for new, NADA retail for used). Loan amounts up to $250,000; minimum loan amount $2,500. $75 origination fee applies. 84-month term requires minimum $25,000 loan amount and vehicle 4 years old or newer. A 0.50% rate discount is available with autopay from a Zions Bank Gold Account.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 6.53%–12.70% | Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies. |
Sources (1)
- zionsbank.com/personal/personal-loans/car-loan · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.