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.

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.
  • 5,000+ 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 Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.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.
  • 5,000+ 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.

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.

Overdraft Line of Credit Details:

  • $500 credit limit (if you would like a higher limit, you may request one)
  • Interest rates as low as 9.90% APR* – lower than many credit cards!
  • 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

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 declined for a purchase or being without funds until your next pay day. And when you use it, you're only charged a low interest rate on the balance you keep until you pay it off.

How to Open the Overdraft Line of Credit

When you open a new Patelco 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, credit card, or special protection features like Debit Card Paid NSF.

Already have a Checking Account with Patelco?  You can still enjoy the benefits of Overdraft Protection by applying for a Signature Line of Credit and choosing it as a source for Overdraft Protection.

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

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.

* 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. Not currently available online. Rates range from 9.90% to 14.00% depending on qualifying Qualifile and FICO credit scores.

Back-to-School Loan: Start the School Year off Right!

Fall is in the air and your credit union is here to help you with the major expenses that go with Back-to-School: tuition, laptops and tablets, moving expenses for college, or whatever you or the students in your life need right now.

Patelco is here to help you succeed with a low-rate loan or several other options to meet your needs.

Back-to-School Loan Details

  • Amounts available from $500 to $3,000
  • Rates range 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

Applying is quick and easy. But hurry, this offer ends October 31!

Apply for Your Back-To-School Loan
 

If the Back-to-School Loan isn't right for you or your student, one of these other loans or a credit card may be better fit:


More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 5,000+ 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.


*APR (Annual Percentage Rate). Back-to-School Loan rates effective 8/10/14 and advertised rate of 6.99% APR includes a 10 basis point discount for Commitment Household membership. Rates range from 6.99% to 11.09% APR depending on factors such as credit history/score and Commitment Household membership. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Amounts range from $500 to $3,000 with a term of 12 months per $1,000 borrowed up to three (3) years maximum. To learn more about rates, terms, and Commitment Household membership, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $30.87 per month per $1,000 borrowed at 6.99% APR for 36 months. Interest accrues from date of funding. Normal credit and lending guidelines apply. Back-to-School Loan offer ends 10/31/14.

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.
  • 5,000+ 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.
  • 5,000+ 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.
  • 5,000+ 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, 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.
  • 5,000+ 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.

An April 15th Deadline You Won't Mind: Apply for a Tax Time Loan

Meet the April 15th deadline – to not only file your taxes, but also to apply for a Tax Time Loan from Patelco! With a rate as low as 6.99% APR* and a limit of up to $5,000, think about what you could do with a little extra help during tax season. You could:

  • Pay all or a portion of your taxes to avoid IRS penalties
  • Use it to consolidate higher-interest debt
  • Fund an IRA or other investments

Remember: Apply for your loan by April 15th and don't forget to file!


Tax Time Loan Details

  • Amounts available from $500 to $5,000
  • 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 - $5,000 = 3-year term

Take a break from tax prep, applying is quick and easy!

Apply for Your Tax Time Loan!
 

More features and benefits of Patelco Personal Loans and Lines

  • Debt Protection
    Debt Protection from Patelco helps you protect yourself and your credit.
  • 5,000+ 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.


*APR (Annual Percentage Rate). Tax Time loan rates effective 2/4/15 and advertised rate of 6.99% APR includes a 10 basis point discount for Commitment Household membership. Rates range from 6.99% to 11.09% APR depending on factors such as credit history/score and Commitment Household membership. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Amounts range from $500 to $5,000 with a term of 12 months per $1,000 borrowed up to three (3) years maximum. To learn more about rates, terms, and Commitment Household membership, call 800.358.8228, visit patelco.org/taxloan, or visit any Patelco branch. Loan payment example: $30.87 per month per $1,000 borrowed at 6.99% APR for 36 months. Interest accrues from date of funding. Normal credit and lending guidelines apply. Tax Time Loan offer ends 4/15/15.