|Rates as low as 1.99% APR1||Calculate my payment >||Apply or get Pre-Approved|
Same low rates for new, used, or refinanced.
Refinance your existing car loan with us and save!
We’ll find your car, get you the best price, and in most cases deliver it within 48 hours.Rates as low as 1.99% APR1.
Finding your dream car is easy with CUDL and AutoSMART — Compare vehicles, research your options, find trade-in values, locate your car, and more.
What type of buyer are you?
Member Car Sale
Our next car sales are on Saturday, April 11 and Sunday, April 12 in San Jose and on Saturday, April 25 and Sunday, April 26 in Pleasanton. Over 1,000 new and used vehicles to choose from, plus a Patelco auto loan rate discount.
- APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 3/31/2015 require Automatic Transfer Payment from a Patelco Checking Account, otherwise rate is .50% (50 basis points) higher; 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, program designation, vehicle age, and payment type. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 12.99% 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 patelco.org, or visit any Patelco branch. Loan payment example: $14.75 per month for each $1,000 borrowed at 1.99% APR for 72 months.
- Patelco Auto Buying Service provided by Member’s Advantage Plus, a California licensed dealer. Available for California residents only. All new cars arranged for sale are subject to price and availability from the selling franchised new car dealer. Standard credit guidelines apply for lending.