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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!

 

An unsecured loan that is ideal for those unexpected expenses.

Borrow the money you need on the strength of your credit — no collateral necessary. Once approved, you’ll have the option to use your money for anything, from car repairs to consolidating high interest debt, and more.

  • 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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.


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 Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.


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.

An easy, inexpensive source for Overdraft Protection.

At Patelco you have several coverage options in the event that you overdraw your checking account. One of those options is our Overdraft Line of Credit, which offers protection up to $500 and no fees.

Even if you never end up needing this line of credit, it’s a great way to ensure you won't have to worry about being without funds or non-sufficient funds charges. And when you use it, you're only charged a low interest rate on the balance you keep until you pay it off.

Apply Now

Overdraft Line of Credit Details:

  • $500 credit limit (if you would like a higher limit, you may request one)
  • Low rate of 9.40% APR*
  • No monthly, cash advance, or usage fees
  • Great for those who want low-cost protection or a way to increase their spending power between paychecks
  • Helps build or rebuild credit when payments are made on time

Overdraft Line of Credit + your Checking account

When you open a new Patelco Membership and Checking Account in any of our branches, we’ll take a look to see if you’re eligible for the Overdraft Line of Credit. If you are, it’s as easy as saying “yes” to add this great benefit to your list of Overdraft Protection Sources which can also include a savings account, or credit card.

Already have a Checking Account with Patelco? You can still enjoy the benefits of Overdraft Protection.

Apply Now

Your Overdraft Protection preferences can be updated at any time inside Patelco Online™.

Want to know more?
If you wish to discuss your Overdraft Protection options or learn more about Patelco Checking and the Overdraft Line of Credit, simply visit us at any of our branches or call 800.358.8228.

*APR=Annual Percentage Rate on approved credit. Overdraft Line of Credit may be offered automatically when a new checking account is opened in a Patelco branch. All loans are subject to credit approval, restrictions apply, Overdraft Protection Line of Credit Rate of 9.40% APR effective 4/6/2018. Commitment Household members qualify for 0.10% (10 Basis Points) discount from the regular rate on consumer loans except credit cards and mortgage loans. Learn more about becoming a Commitment Household member.

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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.


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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.


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.

We can help you with your financial fitness goal by consolidating your high interest debt into one manageable loan. Whether its lingering credit card debt or you just overextended a bit during the holidays, a Patelco Debt Consolidation Loan can help you pay off debt faster and save money while you do it. So what are you waiting for? Start the year off in better financial health with a Patelco Debt Consolidation Loan.

Limited Time: Special Rate as low as 9.90% APR*

  • Terms up to five years
  • Loans from $2500 - $25,000
 

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.

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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.

APR=Annual Percentage Rate. Special rate valid January 3, 2018 – February 28, 2018. All loans are subject to credit approval, restrictions apply, rates are subject to change.

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, 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
    Patelco Online™ allows you to pay bills, check balances, transfer funds, deposit checks and set up alerts 24/7.
  • Unlimited Online BillPay
    Easily set up one-time or recurring bill payments using Patelco Online™.


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.