Loan Payment Services

Explore payment options and answers to commonly asked questions about loan payments with Patelco.

One-time loan payment

Use Fast Pay to make a one-time payment – no login or password required.

Use Fast Pay

Recurring loan payments

Set up recurring loan payments with your Patelco Online™ account today.

Learn more

A Patelco Member asks a team member a question about their bank account.

Phone payment

Call 800.358.8228 to pay by phone, 24 hours a day, 7 days a week.

Contact Patelco today

Your options at a glance

You've got a payment to make, and we've got options – including phone and digital payments that can be made 24/7 with no fee.

	Online Banking	Mobile App	Fast Pay (no login required)	Phone - Automated	Phone - Assisted	Branch	Mail
Fee	$0	$0	$0	$0	$10	$0	$0
Cutoff for same-day payment	3pm PT	3pm PT	7pm PT	7pm PT	7pm PT	Branch closing time	Check received before 5pm PT
Pay from a Patelco account	✔	✔	✔	✔	✔	✔
Pay from an external account	✔	✔	✔	✔	✔
Check¹						✔	✔
Cash						✔
Set up recurring payments	✔	✔

Quick payment Links

Payment from an external account

Payment from a Patelco account

One-time payment with Fast Pay

Payment by phone

Payment by phone (assisted)

Payment in branch

Payment by mail

How to make an online loan payment from an external account

You can easily transfer money from a checking or savings account at another credit union or bank to pay your Patelco loan. We’ll credit payments the same day if made before 3pm PT on a business day.

Log in to Patelco Online™ or the Mobile App and hover over to Transfer & Pay, then Transfers
Follow the instructions to add your external account (it typically takes two or three business days to add a new account)
Once your external account is added, use Transfers to make payments 24/7

How to make an online loan payment from a Patelco account

You can easily transfer money from a Patelco checking or savings account to pay your Patelco loan. We’ll credit payments the same day if made before 3pm PT on a business day.

Log in to Patelco Online^™ or the Mobile App
Select Transfers & Pay, then Transfers
Follow the instructions to transfer money from your Patelco checking or savings account to your loan

How to make a one-time loan payment with Fast Pay

With Fast Pay, you can quickly make same day payments online until 7pm PT without having to create a login or password. There is no fee to use this service and payments can be debited from your Patelco account or an external bank account.

To make a payment with Fast Pay, you’ll need your Patelco Member Number (which can be found on your monthly statement), and the routing number and account number from the bank account you wish to use.

Go to Fast Pay

Fast Pay Frequently Asked Questions

No. Fast Pay is separate from Patelco Online^™ and does not require a username or password. Each time you use Fast Pay, you will need to verify your identity by inputting your Patelco Member Number and the last four digits of the Social Security Number of the primary account holder on your loan.

How to make a loan payment by phone (automated)

With automated payments by phone, you can make payments 24/7 with no fee – and we’ll credit payments the same day if made before 7pm PT.

Making phone payments from an external account

Have your Member Number and 2-digit loan number handy (they’re on your monthly statement, which is accessible in Patelco Online™)
Call 800.358.8228 anytime – phone payments are 24/7
From the main menu, follow the prompts for phone payments
Follow the instructions and provide the information for your external account (including routing number and full account number)

Find your Patelco Member Number and 2-digit loan number by signing in to online banking, selecting Accounts from the main menu, and then selecting Statement & Documents. Tap or click on the statement for your loan.

Making phone payments from a Patelco account

Have your member number ready, then call 800.358.8228 and select option 4 from the main menu to talk to a Patelco team member and choose your PIN
Once you’ve chosen your PIN, call 800.358.8228 anytime – phone payments are 24/7
From the main menu, select 1 for balances, transfers, and recent activity
Follow the instructions to access your account, including providing your Member Number and PIN
When prompted, select Credit Card Payments or Loan Payments and then make a transfer using a Patelco checking or savings account to make a payment

How to make a loan payment by phone (assisted)

During our business hours, we can help you make a payment by phone using your Patelco account or an external account, for a $10 fee.

Have your member number handy (it’s on your monthly statement, which is accessible in Patelco Online^™)
Call 800.358.8228 during our business hours
From the main menu, follow the prompts for all other transactions

Find your member number by hovering to Accounts in the main menu, then selecting Statements & Documents.

How to make a loan payment in a branch

Visit one of our local branches to make a loan payment using your Patelco account, a check, or cash. We’ll credit your payment the same day.

How to make a loan payment by mail

We accept loan payments by mail via check. Send loan and credit card payments to: Patelco Credit Union, PO Box 2227, Merced, CA 95344

Make sure to include your Member Number and 2-digit loan suffix when sending your payment by mail. These numbers are on your monthly statement – find them now by signing in to online banking, hovering over Accounts in the main menu, and then selecting Statements & Documents.

Loan Payment Q&A

If you have a Patelco mortgage or HELOC and want to close it, you can easily pay off your loan within online banking (after which we’ll close it). You can also pay down your HELOC to a zero balance and keep it open. Simply log in and hover over Transfer & Pay in the main menu, and then tap or click on Mortgage Payoff. Then select the account you’d like to make a payment from and the loan account you’d like to pay off. (If the account is a HELOC, we’ll also show an option for paying it down to zero, keeping it open, versus paying it off and closing the account.)
To pay off any other loan types, please visit a branch or call us at 800.358.8228.
Payments made by phone or with Fast Pay will be credited the same day if made before 7pm PT on business days. Any payments made on a holiday, weekend, or after 7pm will be credited the following business day.
Payments made online will be credited the same day if made before 3pm PT on business days. Any payments made on a holiday, weekend, or after 3pm will be credited the following business day.
Payments made in a branch using cash, checks, money orders or transfers from Patelco share accounts will be credited the same business day (or the next business day if made on a Saturday).
Refer to the chart above for more information.
If you want to make a payment by phone, have your member number and 2-digital loan number ready. Find your member number and 2-digit loan number by hovering over Accounts in the main menu, then selecting Statements & Documents in Patelco Online^™.
If you’re making a payment using an external account, you will also need to have that account’s routing number and full account number.

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We do not charge a fee for online ACH transfers. We do not charge a fee for making a phone payment using our automated phone system; payments made by talking to a Patelco team member by phone to manually create a transfer may result in a fee. Automated phone payments made before 7pm PT will post the same business day; automated phone payments made on weekends or after 7pm PT will post the next business day. Payments via transfer from an external account made online before 3pm PT will post the same business day; online transfers from an external account made on weekends or after 3pm PT will post the next business day. Initial setup of online transfers from an external account may take up to 3 business days; initial setup is required before ACH payments and/or transfers can be made.

¹ Due to changes with the US Postal Service, mailed checks may now take longer to reach us. We suggest using a digital method to assure timely payment.