Loans and Credit

Patelco is here to help you meet your financial goals.

When you need extra cash, isn’t it nice knowing you could get approved instantly and receive your funds at a great rate, and with terms built to fit your budget?

Whether you're looking for a loan, credit card, or line of credit, we are on stand-by to help you pick out the option that is right for you.

Loans Credit

Need money for a home? A new or pre–owned vehicle? A computer? Patelco’s loans and lines of credit come with low, competitive rates and plenty of extras to help you through the process. Explore our loan options and services:

  • Vehicle Loans – Loan options that come with the same low rates whether you’re buying new or used or refinancing.
  • Home Loans – Whether purchasing, refinancing, or tapping into your equity, these loan options were built with you in mind.
  • Personal Loans and Lines – Urgent or unexpected expenses? Need to consolidate your debt? Our Personal Loans and Lines of Credit are ideal for keeping you covered, whatever the circumstances.
  • Debt and Loan Protection – No one expects a major disruption in their financial status. Options like Patelco’s Debt Protection and Mechanical Breakdown Insurance can come to the rescue when times get tough.
  • Account Management – Services like Online Banking and Mobile Banking make it easy for you to pay your bills, transfer funds, and more – from anywhere.

At Patelco, we think your credit card should make your life easier, not more complicated. With low variable rates and no penalty hikes or over–limit charges, your balance won’t become a burden, giving you all the benefits of being a cardholder without the hassle. Explore our credit card options:

  • Pure MasterCard Card – The fast and secure way to pay for everyday purchases, all at a great low rate and no annual fee. It also offers you the highest security at the point of purchase with EMV chip and PIN technology.
  • Progress Student Rewards MasterCard Card – Build your credit while earning Patelco Rewards points with every purchase. You can even double your points on school and grocery purchases, all at a great low rate and no annual fee.
  • Points Rewards World MasterCard Card – Earn double Patelco Rewards points on every gas and grocery purchase, and one point on all other purchases. Redeem your points for merchandise, travel, statement credits, and even cash. You get it all at a great low rate and no annual fee.
  • Payback Rewards World MasterCard Card – Earn unlimited double cashback rewards with every purchase, every day. Then redeem your cashback any time you want. All this with a great low rate and low annual fee.
  • Passage Rewards World Elite MasterCard Card – Embark anywhere and earn triple Patelco Rewards points on every travel or dining purchase, and double the points on everything else. Redeem your points for travel, merchandise, and cash, all at a great low rate and low annual fee.