Auto Refinancing

Refinance your auto loan with Patelco and lower your monthly payments. Rates as low as 1.99% APR1.



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

Why refinance with Patelco?

  • Affordable repayment terms up to 84 months
  • Loans up to 125% of the Blue Book value in case you owe more than it’s worth
  • The option to refinance a Patelco auto loan - special conditions apply2


How much can you save?

That depends on several factors…

  • Your current rate and terms
  • The amount you still owe on your current loan
  • The Blue Book value of the vehicle
  • The new rate and terms for which you qualify

Current Loan

Rate: 10% APR
# Payments Left 48 months
Balance Left $14,000 balance left
Monthly Payment $355

Patelco Refi

Rate: 1.99% APR
Loan Term 48 months
Amount Financed $14,000
Monthly Payment $304
Total Savings
(over life of loan)
$2,448

Sample only for comparison. Numbers do no represent an actual loan.





  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.
  2. A full refinance of an existing Patelco auto loan requires the addition of $1,000 to the loan or you may also inquire about a rate reduction for a fee of $295.

After you refinance

Take advantage of some of our time- and money-saving services:

  • Mechanical Breakdown Insurance – Rest easy knowing you won't have to pay out-of-pocket for major repairs
  • Auto Insurance – Compare 35+ major carriers to find the best coverage at the best price
  • Guaranteed Auto Protection (GAP) – GAP covers the difference between your car’s market value and what you owe in the event it’s totaled or stolen
  • Debt Protection – Borrow with confidence, knowing you can cancel your loan or put the payments on hold with no threat to your credit in case of job loss, disability, or other hardships




  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.