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Like you, we drive these Northern New Mexico roads every day. Look to your neighbors when it’s time to upgrade your vehicle.

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Quick Decisions


  • 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.


  • 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.