Fixed rate + No fees = Big savings

We’re committed to keeping our members on the path to financial wellbeing. Whether your goals include consolidating higher interest debt, making home improvements, or simply freeing up cash, switching to save with a low-rate Patelco Personal Loan can help you get there. Apply now.

Product Benefits

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Flexible Loans for Any Need

Borrow up to $100,000 and flexible terms up to 7 years

Competitive, Fixed Low Rates

Rates starting at 7.70% APR1

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Check Your Rate Without Impact2

It only takes minutes to check your rate with no impact to your credit score

Easy Online Application

No loan origination fees and quick funding into your Patelco account

LevelUp to Get Rewarded3

Make consecutive online payments and qualify for loan rate reductions

A shield of protection.

Debt and Payment Protection

Payment Protection insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled or pass away

Personal Loan Rates

Flexible loan rates and terms. Rates Effective 1/20/2023
Term Amount APR Range1
6-36 months $300 to $100,000 7.70% to 17.90%
37-48 months $300 to $100,000 8.20% to 17.90%
49-60 months $300 to $100,000 8.70% to 17.90%
61-72 months $20,000 to $100,000 9.95% to 17.90%
73-84 months $30,000 to $100,000 10.45% to 17.90%

Loan Payments Calculator

What would my loan payment be?

Frequently Asked Questions

A professional couple manages their home loan from a laptop with Patelco Online.
Manage Your Personal Loan

Patelco Online helps you stay up to date on all your personal loan details. We make it simple and safe to:

  • Check balances
  • Get account details
  • Transfer funds
  • Send us secure messages about your loan
  • Make payments from your Patelco account
Get Pre-qualified in Minutes
Know your rate without impacting your credit score.2

1 APR (Annual Percentage Rate) Rates offered effective 1/20/2023. and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit patelco.org, call 800.358.8228, or stop by a branch. The APR range is 7.70% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 7.70% with no origination fee and make 36 monthly payments of $312.89, your finances charges will be $1,263.80 which would make your total repayment amount $11,263.80

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 LevelUp is offered to members who are approved for Patelco's credit tier 2 or higher on a personal loan. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.