Savings Are Closer Than They Appear

Unveil savings in your rearview mirror with Zia Credit Union! Refinance your external Auto Loan and slash your interest rate by up to 2.00% APR.*

What's better than saving up to 2.00% APR? How about a grace period of 70 days with no payments? Yes, alongside reducing your interest rate, Zia offers borrowers who refinance a comfortable 70 days without any payments!†


Savings are always closer than they appear when you refinance your auto loan with Zia. Take the leap and start saving today!


Apply For An Auto Loan


*APR=Annual Percentage Rate. Membership eligibility required. Limited time promotion 04.17.2024 – 12.31.2024. Approved rate will be the higher of these: either 2.00% APR less than member’s current external auto loan rate or Zia’s current minimum floor rate. New rate cannot be lower than Zia’s minimum floor rate. Must meet loan qualifying criteria. All auto loans are subject to credit approval. Loans financed through dealer or manufacturer at 0.00% are ineligible. Zia reserves the right to extend, alter, or cancel this promotion at any time. Proof of current, external rate required.

†No payment for 70 days, whereby the first payment is extended up to 70 days from the date the loan is funded. Finance charges will begin to accrue when the loan is funded, and negative amortization may occur. See credit union for more details.