Auto Refinancing

Refinance your auto loan with Patelco and lower your monthly payments. Rates as low as 2.79% APR1.



Rates as low as 2.79% 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

Apply Now


Switch to Save

How much can you save? That depends on several factors…

  • Your current rate and loan terms
  • The amount you still owe on your current loan
  • The new rate and terms for which you qualify

Use our online calculator to see how you much you can save.

Switch to Save


Ready to refinance your auto loan?

Apply Now



  1. APR (Annual Percentage Rate). Auto rates as low as 2.79% APR effective 2/16/2018; 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: $16.37 per month for each $1,000 borrowed at 2.79% APR for 66 months.
  2. Refinance of an existing Patelco auto loan requires the current balance not to exceed 100% of Blue Book value.

After you refinance

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

  • Patelco Insurance Services — Save money on your auto insurance with the best mix of cost and coverage and a side-by-side comparison from multiple providers.²
  • 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 2.79% APR effective 2/16/2018; 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: $16.37 per month for each $1,000 borrowed at 2.79% APR for 66 months.
  2. 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.