Rates as low as 2.24% 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 2.24% 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.

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Our next member car sale is coming
soon, but in the meantime, we can
help you find the right car with our
free Auto Buying service.

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 2.24% APR effective 7/1/2016 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 12.49% APR. Regardless of discount qualifications, no approved applicant’s rate will be lower than the then-current floor rate which is 1.99% as of 7/1/2016. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $16.12 per month for each $1,000 borrowed at 2.24% 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.