Rates as low as 1.99% APR1 Calculate my payment > Apply or get Pre-Approved

Same low rates for new, used, or refinanced.

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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 1.99% APR1.

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Finding your dream car is easy with CUDL and AutoSMART — Compare vehicles, research your options, find trade-in values, locate your car, and 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 – Save some legwork by taking your search online with CUDL AutoSMART, our online vehicle research platform.
  • 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.

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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.

Saturday, April 11: 9am-6pm
Sunday, April 12: 10am-5pm

Santa Clara County Fairgrounds
Parking Lot A
344 Tully Rd.,
San Jose, CA

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Saturday, April 25: 9am-6pm
Sunday, April 26: 10am-5pm

Patelco Corporate Center
5050 Hopyard Rd.,
Pleasanton, CA

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  1. 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.
  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.