Auto Loans

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• Competitively low rates for new or used vehicles
• Up to 130% financing available, including tax and title¹
• Budget-friendly repayment terms up to 7 years:
  • Terms of up to 84 months for new models (2021 and newer)
  • Terms of up to 75 months for used models (2015-2020)
  • Terms of up to 72 months for used models (2012-2014)
  • Terms of up to 48 months for older models (2011 and older)
• Free pre-approval for extra confidence upon negotiations
• Refinance your current vehicle to potentially lower your rate
• Extended member protection available (see below)
• Local decision-making and processing in Northern New Mexico
• Attentive, friendly service from start to finish

¹130% financing available on approved credit. May be higher based on credit score.

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• Protection if vehicle is totaled or stolen
• Pays difference between what insurance covers and what you still owe
• Low-cost protection up to $595 can be rolled into loan
• Will cover insurance deductible up to $1,000
• May be applied towards any vehicle owned by the primary borrower
• May provide additional $1,000 toward purchase of a replacement vehicle¹
• Bonus Drive Rebate Program may be available (ask lender for details)

¹The vehicle must be financed with Zia Credit Union and the funds applied toward down payment.