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

Save time and simplify the process of researching your next car online with AutoSMART.

    • Search and compare thousands of vehicles
    • Get the Blue Book value for used vehicles
    • Connect with local dealers for quotes
    • Apply online for your Patelco auto loan
Research with AutoSMART
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 1.99% APR (floor rate) effective 4/25/2016 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. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $16.01 per month for each $1,000 borrowed at 1.99% APR for 66 months.

Shop

Have a good idea of what you're looking for? Get quotes from local dealers from the comfort of your home with AutoSMART.

  • Get pre-approved and show up ready to buy
  • Choose from thousands of new and used vehicles
  • Apply online for your Patelco auto loan
Shop with AutoSMART

More Ways to Shop

  • Patelco financing at participating dealers – shop at participating Credit Union Direct Lending (CUDL) dealers and secure point-of-purchase financing through Patelco.
  • Car Sales – we partner with preferred dealers for special car sale events many times throughout the year with great rates for members.


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 1.99% APR (floor rate) effective 4/25/2016 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. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $16.01 per month for each $1,000 borrowed at 1.99% APR for 66 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 cars, plus convenient and fast financing through any of our participating Credit Union Direct Lending 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 on AutoSMART

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



More Ways to Shop

  • Patelco financing at participating dealers – shop at participating Credit Union Direct Lending (CUDL) dealers and secure point-of-purchase financing through Patelco.
  • Car Sales – we partner with preferred dealers for special car sale events many times throughout the year with great rates for members.



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 1.99% APR (floor rate) effective 4/25/2016 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. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $16.01 per month for each $1,000 borrowed at 1.99% APR for 66 months.