Research. Shop. Buy.

Getting ready to buy a car? Whether you're shopping around, looking for a dealer, want a quote, or just researching your options, we can help you get the car you want quickly and affordably.

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

Research

Still barely scratching the surface of your car buying process? Let us help! With CUDL AutoSMART and our selection of handy calculators, you can find the right car at the right price in a fraction of the time it would take you to do it alone.

CUDL (Credit Union Direct Lending) and CUDL AutoSMART

    • Search and compare thousands of vehicles
    • Get the Blue Book value for used vehicles
    • Get access to exclusive articles and auto buying tips, check dealer stocks
    • Locate a Credit Union Direct Lending (CUDL) dealership with the AutoSMART tool
    • Apply for your Patelco Auto Loan
Research with AutoSMART

Quick links to what you can find on AutoSMART

  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 8/10/2014 require Automatic Transfer Payments, 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.

Shop

Have a good idea of what you're looking for? We can help with that too – with AutoSMART get price quotes directly from the comfort of your home, exclusive car sales throughout the year, and more:

  • Get pre-approved and show up ready to buy
  • Choose from 1,000s of new and used vehicles
  • Look for special offers like rate discounts and more when buy at one of our sales
Shop with AutoSMART

Quick links to what you can find on AutoSMART

  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 8/10/2014 require Automatic Transfer Payments, 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.

Buy

Ready to buy? We can think of a few good reasons to finance your vehicle with Patelco like:

  • Same low rates for new and used, plus convenient and fast financing available through any of our participating CUDL dealers in California
  • Rate discount up to 0.10% if you're a participating Commitment Household member
  • Flexible terms available up to 84 months (7 years)
Shop & Buy with CUDL AutoSMART

Lock in your pre-approval so you can show up ready to buy!



Quick links to what you can find on AutoSMART




  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 8/10/2014 require Automatic Transfer Payments, 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.