Used auto loan rates as low as 3.34% APR¹
We make getting your dream car affordable, fast and easy.
Drive your savings home with a Patelco Auto Loan
From purchase to protection, we are always looking for ways to help you save. Finance with us and you can enjoy:
- Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
- Ability to buy from a dealer, private party, or even buy out a lease
- Rate savings by refinancing auto loans from other financial institutions
- Access to AutoSMART online to search for vehicles and get quotes from local dealers
- Potential rate reduction with our Timely Repayment Incentive Program (TRIP)
- Peace of mind with additional services like Mechanical Breakdown Protection (MBP), Guaranteed Auto Protection (GAP), and Debt & Loan Protection
- Cost-saving protection with Patelco Insurance Services²
Too busy to visit dealerships? We can help.
- Research your next car online with AutoSMART.
- Search, negotiate, and buy with Patelco Auto Buying Service experts.
Additional Discounts Available
Become a Commitment Household Member = .10% rate discount
Our most active, dedicated members receive several exclusive discounts and special offers. If you’re not already enjoying these benefits, find out what it takes to become a Commitment Household Member.
Buy a vehicle at a Patelco Car Sale = .25% rate discount
Throughout the year, Patelco holds special car sale events at various locations like our headquarters, fairgrounds, and dealerships.
Buy a vehicle through Enterprise Car Sales = 1.00% rate discount
Patelco partners with Enterprise Car Sales to bring you big savings on pre-owned vehicles and former rentals.
- 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.
- 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.