Used Car Loans
Purchase from a dealer, private party, or even buy out a lease.
Refinance Your Car
Lower your current payment or rate or adjust your terms.
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Get where you need to go with a low-rate car loan
Peace of mind
Competitive rates plus a 15-day rate-lock guarantee1
Affordable terms
Up to 84 months
Flexible payment options
Make no car payments up to 90 days2
No pre-payment penalties
Pay off your loan early if you need to
Car shopping made easy
All the tools you need to find your next car online with AutoSMART™ 3
Dealership discounts
Shop with Enterprise and save an additional 1.00% APR off your rate4
See your rate, payment and loan terms upfront. All without impacting your credit score.5
Auto Loan FAQs
1 After you submit a loan application, your Auto Loan rate disclosed is guaranteed for 15 days from the date your loan is approved. Any change to term and/or vehicle information, credit history, account relationship, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.
2 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.
3 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.
4 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit-worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from January 1, 2023 – December 31, 2023. This offer cannot be combined with any other offer other than those listed in this advertisement.
5 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.