Shop and save on your car purchase

Whether you’re heading to the dealer, keeping the car you’re leasing, or buying from a private party, with low rates, fast pre-approvals and access to online car shopping tools and resources, you’ll be prepared to make your next purchase with confidence.

It's easy to pre-qualify online. Get started by checking your rate with no impact to your credit.2 You’ll see your personalized rate, terms, and payment details all upfront – so you know what you can afford before you buy.

Now for the fun part! We’ve partnered with local dealers to offer special financing and promotional discounts on quality used and certified pre-owned cars. With your pre-approval in hand, shop for the perfect ride and visit a dealership, private party, or search for cars online with our free AutoSMART™ service.3

Low rates. Big benefits.

A coin being deposited into a piggybank.

Easy application

Pre-qualify within minutes online

Quick decision

See your rate, loan terms and payment before you buy

A hand collecting money.

Peace of mind

Lock in your rate for up to 15 days – guaranteed4

Dealership discounts

Shop with Enterprise Car Sales and save an additional 1.00% APR off your rate5

Flexible payment options

Enjoy no car payments up to 90 days6

A shield of protection.

Safeguard your ride

Cover your car in the event of mechanical breakdowns, financial loss and more — get your quote today.

Used Auto Loan Rates

Rates Effective 2/1/2023
Term Minimum Amount APR range1
0 to 48 months None 5.44% to 17.99%
49 to 66 months None 5.54% to 17.99%
67 to 72 months $10,000 For 72 Month Term 5.84% to 17.99%
73 to 84 months $15,000 For 84 Month Term 6.29% to 17.99%

Auto Loan Calculator

How much can I afford?

Frequently Asked Questions

Learn More in Help & FAQs
Quality used cars. Affordable prices.

We partner with Enterprise Car Sales to bring you great deals on your next used car. Shop online or at a location near you and choose from over 250 different makes and models.

  • Receive a 1.00% APR discount on your loan5
  • Competitive pricing
  • Trade-ins welcome
  • Free home delivery options in select locations
  • 12-month roadside assistance7 and 12-month/12,000-mile limited powertrain warranty8
  • Free CARFAX® vehicle history reports™
Get pre-qualified in minutes
Know what you can afford upfront. See your rate, terms and payment amount – with no impact to your credit score.2

Recommended Resources

Be sure to explore our financial well-being resources. 

1 Used Auto rates starting at 5.44% APR effective 2/1/2023; 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 relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. 

Used Auto loan payment examples: 0‑48 months: $23.29 per month per $1000 borrowed at 5.44% APR for 48 months; 49‑66 months: $17.65 per month per $1000 borrowed at 5.54% APR for 66 months; 67‑72 months: $16.54 per month per $1000 borrowed at 5.84% APR for 72 months; 73‑84 months: $14.94 per month per $1000 borrowed at 6.29% APR for 84 months.

2 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.

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 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.

5 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.

6 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.

7 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

8 Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.