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
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.
Phone - Automated
Phone - Assisted
|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||✔||✔||✔||✔||✔|
|Set up recurring payments||✔||✔|
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
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
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.
Fast Pay Frequently Asked Questions
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 using Accounts in the main menu then selecting Statement & Documents.
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
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.
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.
We accept loan payments by mail via check. Follow the instructions included with your loan paperwork. If you’re not sure where to mail your loan payment, send us a message in Patelco Online™ using Message Center (found under Tools & Settings in the main menu).
Make sure to include your member number and 2-digit loan suffix when mailing your payment by mail. These numbers are on your monthly statement – see them now by hovering over Accounts in the main menu, then selecting Statements & Documents.
Loan Payment Q&A
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.