Rates as low as 3.09% APR1 Calculate my payment > Apply or get Pre-Approved

New auto rates as low as 3.09%1

Used auto rates as low as 3.34%

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Refinance your existing car loan with us and save!

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We’ll find your car, get you the best price, and in most cases deliver it within 48 hours.Rates as low as 3.09% APR1.

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Finding your next car just got easier with AutoSMART. Search for new and used vehicles, get quotes, trade-in values
and much more.

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What type of buyer are you?

  • Get started – Why wait? Get pre-approved for your low-rate Patelco Auto Loan now.
  • Shop for me – With our free auto buying service, our industry experts will do all the shopping, negotiating, and in most cases deliver your car in as little as 48 hours.2
  • Begin my research – search smartly with AutoSMART, powerful online tools to find and purchase your next car.
  • Go where the deals are – Get special pricing on a wide selection of high-quality vehicles at one of our local car sale events.
  • Refinance my auto loan – Pare down your rate with a lower-rate Patelco Refinance Loan.
  • Protect my ride³ – Find your ideal insurance coverage with a side-by-side comparison from multiple providers.

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The AutoSMART links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website's Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.
  1. APR (Annual Percentage Rate). Auto rates as low as 3.09% APR effective 4/6/2018; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.09% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit www.patelco.org, or visit any Patelco branch. Loan payment example: $16.50 per month for each $1,000 borrowed at 3.09% APR for 66 months.
  2. 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.
  3. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, www.insurance.ca.gov.