Personal Loans

Get the cash you need, quickly and affordably.

Need extra cash? Patelco has money to lend, and our Personal Loans and Lines of Credit will work with any budget. With flexible terms, low, competitive rates, instant online approvals – and of course, exceptional member service to help you through the process – We have what it takes to help you reach your financial goals.

Explore your loan or line of credit (LOC) options below and apply today!

 

Our Tax Time Loan is no longer available but our Vacation Loan is coming soon!

Vacation Loan Details – Check Back Soon to Apply

  • Amounts available from $500 to $3,000
  • Rates ranging from 6.99% to 11.09% APR*
  • Maximum term varies based on amount borrowed:
    • $500 - $999 = 6-month term
    • $1,000 - $1,999 = 1-year term
    • $2,000 - $2,999 = 2-year term
    • $3,000 = 3-year term

Where will you go this summer with a Vacation Loan from Patelco? Check back soon to apply or call us today for other options.

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.

An unsecured loan that is ideal for those unexpected expenses.

This loan allows you to borrow on the strength of your credit with no collateral. Once approved, you can use it as you wish like vacations, car repairs, that special gift, or whatever else you may need.

  • Amounts up to $25,000
  • Lump-sum funding
  • Fixed, low rates and payments
  • Terms up to five years (60 months)
  • View Rates
Apply Now
 

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.


All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

Only pay interest on the amount you use.

Not sure how much you’ll need or when you’ll need it? The Signature Line of Credit is the same as a Signature Loan but with:

  • Amounts up to $25,000
  • Low, variable payments (2% of cycle balance or $46, whichever is greater)
  • Convenient access to funds through ATMs, Online Banking, CALL-24 Telephone Banking, and local branches
  • Use this for FREE overdraft protection for your Patelco checking
  • View Rates
Apply Now
 

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.


All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

Borrow against your savings and continue to earn interest.

Take out a Savings Secured Loan for amounts up to 100% of available funds in your regular Patelco share account. Terms up to 10 years are available but funds in your checking, money market, IRA, and certain other accounts may not be used as collateral.

  • Amounts up to 100% of funds available in your Patelco Savings Account
  • Flexible terms up to 10 years
  • View Rates
Apply Now

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.


All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

Enjoy a low interest rate loan, while still earning interest on your CD.

By taking out one of our Certificate Secured Loans, you can borrow up to 100% of the balance on almost all Patelco certificates! It’s easy – Get your loan and pay the balance in full by the time your certificate matures. The rate equals what you’re currently earning on the certificate, with only an added 2.25%. Please note: IRA Certificates are excluded.

  • Amounts up to 100% of the balance on any Patelco Certificate
  • Flexible repayment terms
  • Rates equal to Certificate earnings plus 2.25%
  • View Rates
Apply Now

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.


All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

Get rid of high interest debt by consolidating into one easy payment.

A consolidation loan can give you the leverage you need to lower your monthly payments, pay off bills, and save yourself the hassle of writing multiple checks. If you like, we’ll even set it up so your payment is automatic.

  • Amounts up to $25,000
  • Terms up to five years
  • Complete payment history in a single monthly statement
  • View Rates
Apply Now

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.

All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

A computer loan that can be used for hardware, software, and peripherals.

Patelco understands just how important a computer can be in today’s digital world. Whether it’s for keeping in touch with family and friends, conducting business, playing online games, or studying for school – if you need a new computer or you need to upgrade an existing machine, Patelco has a loan specially tailored for computers.

  • Exceptionally low rates
  • Loans up to $7,500
  • Terms up to five years (60 months)
  • Lower rates and terms for loans up to $2,500
  • You can also bundle in software, accessories, components, video game equipment, digital cameras, camcorders, and more!
  • View Rates
Apply Now

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online Banking
    Check balances, transfer funds, do a balance transfer and more.
  • Unlimited Online BillPay
    Set up one-time or automatically recurring payments to your personal loans.
  • Free Mobile Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free Credit Report
    Know where you stand, check your credit report annually with a Free Credit Report.
  • BALANCE: Credit Education and Services
    Get help with credit problems or questions with BALANCE: Credit Education and Services
  • Identity Theft Protection
    Protect your identity and get peace of mind. ID Theft Protection plans start at just $24.95 per year for individuals.


All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.