Welcome, neighbors!
Rates as low as 1.99% APR*
Sample savings for a pre-owned auto loan with Patelco for $20,000 over 60 months:
1.99% APR
$350 per month
Wells Fargo
4.85% APR2
$376 per month
Total Savings
(over life of loan)

Hit the Road with Help from Your Local Credit Union

Bank-beating rates as low as 1.99% APR1, affordable repayment terms, and convenient, time- and money-saving extras like our free auto buying service, make financing your new or pre-owned vehicle affordable and stress-free.

New Auto Loan

  • Terms up to 84 months (7 years)
  • Available GAP and Debt Protection
  • Free Auto Buying Service
  • Online search and research tools through AutoSMART
  • Peace of mind with available Mechanical Breakdown Insurance

Apply Now

Pre-owned Auto Loan

  • Terms up to 84 months for 2006 and newer vehicles and up to 60 months for 2003 – 2005 vehicles
  • Available GAP and Debt Protection
  • CARFAX history report
  • Free Auto Buying Service
  • Online search and research tools through AutoSMART

Apply Now

Why add Patelco’s auto buying service to your auto loan?

We’ll shop 500 auto dealers to find the best price on the make and model you’re looking for, and in most cases, deliver it right to your door. Not only is the service free, we’ll even knock an extra .25% off your auto loan rate! Just ask us about our MAP Auto Buying Program when you call to apply or after you've received your auto loan prequalification.

Want to keep your car but not the high payment? Refinance!

If you have a high-rate auto loan from another financial institution, lower those monthly payments by refinancing with Patelco – We can get you a great low rate with no additional fees. It's a great way to save.

Rate discounts are easy to get at Patelco

Whatever your lending needs are, you have the potential to get your rate down to as low as 1.99% APR by taking advantage of these discounts:

  • .10% off for buying a fuel efficient vehicle3 or buying from a Credit Union Direct Lending (CUDL) dealer
  • .25% off for using our free MAP Auto Buying Service, through which we’ll find your vehicle and in most cases deliver it right to your front door!
  • .50% off for putting down 20% or more

Patelco membership is free and open to everyone!

Patelco has been helping Bay Area residents and communities thrive financially for over 75 years. Today, with more than $3.7 billion in assets, 270,000 members, and 40 Northern California branches, we’re a full-service, not-for-profit credit union with the strength and stability to offer personalized banking services and rates that beat the big banks.

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Ready to apply for a new, pre-owned, or refinance auto loan?

  1. This information is considered an invitation to apply and not a firm offer of credit. Loans are given on approved credit to qualified buyers. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 07/12/2012; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, purchase channel, Patelco account and loan balances, vehicle age and fuel efficiency. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 13.69% APR. Regardless of discount qualifications, no approved applicant's rate will be lower than the then-current floor rate. To learn more about rates, terms and available discounts, call 800.358.8228, visit www.patelco.org, or visit any Patelco branch. Loan payment example: $17.53 per month for each $1,000 borrowed at 1.99% APR for 60 months.
  2. Rates and terms obtained on 07/18/2012 from wellsfargo.com for a 60-month used vehicle auto loan with a vehicle purchased from a dealer. Conditions may apply; subject to change without notice.
  3. Vehicle must be either a hybrid (gas/electric) vehicle or get 30 or more miles per gallon freeway as reported by www.fueleconomy.gov to qualify for the .10% discount (10 basis points) auto loan rate reduction.