Looking for a simple and reliable way to finance your next car? A Zions Bank auto loan could be the right choice if you live in the western U.S. With flexible terms and up to 110% financing, it’s designed to help you get on the road fast.
In this guide, we’ll break down how it works, who qualifies, and why it might be a smart move for your wallet. Get started now!
What Is a Zions Bank Auto Loan?
Zions Bank is a trusted financial institution with roots going back to 1873. Headquartered in Salt Lake City, Utah, the bank has served individuals, families, and businesses for over 150 years. Today, Zions Bank operates in several Western states, including Utah, Idaho, and Wyoming, with select services also available in Oregon and Washington.
A Zions Bank auto loan is a personal loan that helps you buy a car or refinance an existing one. Whether you’re getting a brand-new sedan, a used truck, or even a family-size SUV, this loan can cover the cost.
What makes it different is the option to borrow up to 110% of the vehicle’s value, which means it can include extra costs like taxes, title fees, or registration. Your monthly payments will remain constant over time thanks to Zions Auto Loan’s fixed interest rates. This gives you more control over your budget and helps avoid surprises later on.
For those applying for a Zions Bank auto loan, it’s comforting to know you’re borrowing from a bank with a long history, strong local presence, and a reputation built on trust.
What Types of Auto Loans Does Zions Bank Offer?
Zions Bank offers flexible auto loan options to fit different needs and lifestyles. Whether you’re buying from a dealership or looking to refinance, they’ve got a solution for you.
New Car Loans
If you’re buying a brand-new car, truck, or SUV, Zions Bank offers loans with:
- Up to 110% of the Dealer’s MSRP: Borrow enough to cover the car, plus extras like taxes and warranties.
- Fixed Interest Rates: Enjoy predictable payments each month.
- Terms Up to 72 Months: Spread your payments over time to keep monthly costs manageable.
This option is perfect for first-time buyers or anyone looking to drive off the lot with a brand-new vehicle and the financial freedom to customize it.
Used Car Loans
Prefer to buy a used car? Zions Bank makes it just as easy and affordable:
- Finance Up to 110% of NADA Retail Value: You can borrow a bit extra to cover any upgrades or registration costs.
- Low Fixed Rates: Get a stable rate that doesn’t change during your loan.
- Flexible Terms Up to 72 Months: Choose the repayment schedule that fits your financial plan.
Used cars can be a smart financial move, and Zions Bank helps make sure your loan is just as smart.
Zions Bank Auto Refinance
If you already have a car loan somewhere else, but your interest rate is high or your monthly payments are hard to manage, Zions Bank can help you refinance. This means they’ll pay off your existing loan and set you up with a new one under better terms.
Refinancing with Zions Bank can help you:
- Lower Your Interest Rate: If your credit score has gone up or market rates have dropped, you may qualify for a better Zions Bank auto loan APR.
- Lower Monthly Payments: Stretch out the duration of your auto loan to make payments more manageable.
- Pay Off Your Loan Faster: Or do the opposite, shorten your term and own your car sooner.
- Get Extra Cash: Some borrowers use refinancing to pull out a little extra for repairs or upgrades.
Whether your goal is to save money or simplify your budget, refinancing can be a smart financial move, especially when done through a reliable lender like Zions.
Zions Bank Auto Loan Rates, Fees & Terms
Zions Bank offers competitive interest rates on auto loans, designed to fit a variety of budgets and credit profiles. The rate you receive will depend on several personal factors, like your credit score, the total loan amount, the repayment term, and whether you’re buying new or used.
Current Zions Bank Auto Loan Rates
Here’s a quick look at current rate ranges (updated on August 7, 2025):
| Loan Term | Interest Rate Range | APR Range |
|---|---|---|
| 36 Months | 6.44% – 11.01% | 6.53% – 13.13% |
| 60 Months | Based on your credit | Starts at 6.53% |
| 72 Months | Available for higher loans | Varies by loan details |
These rates are competitive for both new and used car loans. Just remember that your final rate is determined after Zions reviews your application and credit profile. Also, Zions Bank auto rates can change at any time, so it’s smart to check with the bank or a loan officer before applying.
Zions Bank Auto Loan Fees and Terms
Zions Bank offers auto loans starting from $2,500 and going up to $250,000. That means you have flexibility whether you’re:
- Buying a low-cost used car
- Investing in a reliable family SUV
- Purchasing a luxury model with premium features
You can also finance more than just the car’s price, up to 110% of the vehicle value. This can help you cover extra costs like taxes, registration, and warranties without paying out of pocket.
About fees, Zions Bank keeps it simple, with no hidden charges and clear loan terms.
| Fee or Term | Details |
|---|---|
| Minimum Loan Amount | $2,500 |
| Maximum Loan Amount | $250,000 |
| One-Time Origination Fee | $75 |
| Prepayment Penalty | None |
| Credit Check | Yes, required |
| Loan Duration | Up to 72 months (6 years) |
If you wish to reduce your interest costs, you can pay off your loan early without incurring penalties.
How to Apply for a Zions Bank Auto Loan
Getting a Zions auto loan is straightforward. You can apply online from the comfort of your home or walk into a local branch and talk to a banker.
Zions Bank Auto Loan Requirements
Before starting your application, make sure you meet the basic requirements and have your documents ready. Here’s what Zions looks for:
- You must be at least 18 years old
- You must live in five Western U.S. states: Utah, Idaho, Wyoming, Oregon, or Washington
- Provide your personal details (name, address, phone, etc.)
- Share your employment and income information
- Submit vehicle details (make, model, VIN, dealer/seller info)
If you’re refinancing, you’ll also need details about your current loan, including the payoff amount and lender information.
Moreover, to speed up the application process, you’ll need to have a Zions Bank Digital Banking account. This online login lets you fill out forms and track your loan easily. If you don’t have an account yet, you’ll be asked to create one before starting your loan request.
Apply Online or In Person
Already a Zions Bank customer? You can log in through Digital Banking to make the process quicker.
New to Zions? No problem. Just visit their auto loan page and click “Get Started” to begin with your account and application.
You can also apply for a Zions Bank auto loan in person at a local branch, where a banker can walk you through the process step by step.
And don’t forget, Zions offers pre-qualification, which means you can check how much you’re eligible to borrow before applying. This won’t impact your credit and helps you shop with confidence.
This is a step-by-step application process when you have a Zions Bank account:
- Log in to your Zions Bank Digital Banking account.
- Go to the auto loan section and start your application online.
- Provide your personal details, like name, address, income, job information, and contact number.
- Submit the application. Most people make a decision within minutes.
However, if your file needs extra review, it might take 1 to 2 business days to hear back. Once you’re approved and ready to finalize the loan, Zions Bank will handle the final paperwork. Expect the full approval and funding process to take about 2 to 5 business days from start to finish.
Zions Auto Loan Customer Support
When you get an auto loan from Zions, you’re not just getting financing, you’re joining a modern banking platform that helps you manage everything easily.
Zions Digital Banking
With Zions Digital Banking, you get:
- Online Bill Pay: This Zions feature helps you plan one-time or ongoing payments to ensure you never forget a deadline.
- 24/7 Account Access: Manage your loan and accounts from your phone, tablet, or computer at any time and from anywhere.
- Zion Bank Auto Loan Calculators: Estimate monthly payments before you apply or refinance. These tools are available anytime and can give you a quick idea before you talk to a banker.
- Email and Text Alerts: Get reminders, confirmations, and balance updates to stay in control.
All these features come free with your personal Zions Bank checking or savings account.
Customer Service and Branch Access
Zions Bank makes it easy for customers to get help. If you live in the western U.S., you can stop by a nearby branch to speak with a banker face-to-face. Need help from home? You can call their customer service team or use their 24/7 automated phone system anytime. They’re known for being friendly and responsive.
Ways to Reach Zions Bank Auto Loan Customer Service:
- General Customer Service: 888-307-3411
- Digital Banking Help: 800-840-4999
- Hours of Operation: Monday to Saturday, 6 a.m. – 9 p.m. (Mountain Time)
Whether you’re applying for a loan or asking about payments, there’s always someone ready to help.
Pros and Cons of Zions Bank Auto Loans
Zions Bank offers auto loans with some standout features, but like any lender, there are a few downsides. Here’s a clear breakdown:
Pros
- Up to 110% financing (great for fees, taxes, and extras)
- Fixed rates for predictable payments
- High loan amounts up to $250K
- Pre-qualification available
- Long repayment terms up to 6 years
- Strong customer service
- Community-focused bank
Cons
- Only available in select states (UT, ID, WY, OR, WA)
- Origination fee applies
- Zions car loan rates may be higher for lower credit scores
- No leasing options
If you live in one of the states Zions serves and want a flexible, fixed-rate loan from a community-focused bank, this could be a great choice. With strong customer support, digital tools, and up to 110% financing, Zions Bank makes it easier to hit the road with confidence.
Tips to Get the Most from Your Zions Bank Auto Loan
Want to save money and make the loan process less stressful? Here are a few smart tips to help you get the most out of your Zions Bank auto loan:
- Get pre-qualified early: Start by using Zions Bank’s prequalification tool, which is a soft credit check tool. It lets you check if you’re likely to be approved and gives you a rough idea of what interest rate and loan amount you might get. This step is quick, gives you a clearer picture before committing, and doesn’t hurt your credit score.
- Check and improve your credit score: Your credit score plays a big role in the Zions Bank auto loan interest rate you’ll receive. A higher score usually means lower interest. If your score is low, consider paying down debt or correcting any errors on your credit report before applying. Even small improvements can save you hundreds over the life of the loan.
- Use Zions Bank auto loan calculators: These online tools are free and easy to use. They can help you figure out what your monthly payments will look like based on different loan terms, rates, and vehicle prices. It’s a great way to plan your budget before signing anything.
- Set up your Digital Banking account: To apply for a Zions auto loan online, you’ll need a Digital Banking login. If you don’t already have one, create your account in advance. This login also helps you track your loan progress, view documents, and receive updates all in one place.
- Think about refinancing down the road: Just because you start with one loan doesn’t mean you’re stuck with it forever. If market interest rates drop or your credit improves, refinancing your auto loan could reduce your monthly payments or lower the total interest paid.
By following these tips, you’ll be better prepared, more informed, and more likely to enjoy a stress-free experience with your Zions Bank auto loan.
Zions Bank Auto Loan FAQs
What credit score do I need for a Zions Bank auto loan?
- A credit score of at least 650 is generally recommended, but approval also depends on your income, debt, and loan amount.
Can I use a Zions Bank car loan to buy from a private seller?
- Yes. As long as the car meets the bank’s loan requirements, you can buy from a dealership or private party.
Can I apply online?
- Yes. Both new and current customers can apply online. You can also get pre-qualified before submitting a full application.
What documents will I need?
- You’ll need a valid ID, proof of income (like a pay stub), address verification, and details about the vehicle you’re buying.
How long does it take to get approved for a Zions Bank auto loan?
- Approval typically takes 1 to 2 business days once all required documents are submitted.
In conclusion, a Zions Bank auto loan is a practical and reliable choice for anyone living in the Western U.S. who needs to pay for a vehicle. With flexible terms, up to 110% financing, and a simple online application process, Zions Bank makes it easy to get behind the wheel without added stress.
