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.
Borrow up to $100,000 and flexible terms up to 7 years
Rates starting at 9.30% APR1
It only takes minutes to check your rate with no impact to your credit score
No loan origination fees and quick funding into your Patelco account
Make consecutive online payments and qualify for loan rate reductions
Payment Protection insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled or pass away
Flexible loan rates and terms. Rates Effective 04/01/2025
|
Term |
Amount |
APR Range1 |
|---|---|---|
| 6-24 months | $300-$100,000 | 9.30%-17.90% |
| 25-36 months | $2,000-$100,000 | 9.30%-17.90% |
| 37-48 months | $4,000-$100,000 | 9.70%-17.90% |
| 49-60 months | $8,000-$100,000 | 10.20%-17.90% |
| 61-72 months | $20,000-$100,000 | 10.70%-17.90% |
| 73-84 months | $30,000 - $100,000 | 11.20% - 17.90% |
What would my loan payment be?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
As you make strides on improving your credit and paying down loans, we want to be there as your partner. For members that don’t qualify for our best loan rates, we offer this special opportunity as you make on-time payments.
By simply paying your personal loan on time and consistently, we’ll automatically lower your rate up to 0.50% each year. These rate reductions can reduce the amount of interest charged, pay down the principal loan balance faster, and save you money over the life of your loan. Learn more >
If you have any questions about your personal financial situation, need guidance on consolidating debt or want help finding the right loan product, our Virtual Branch™ is available for immediate service and appointments during business hours. Learn more >
Yes. Payments made via Patelco Online™ or the Mobile App from your Patelco account will be applied the same day. See all your options >
We provide several options to assist members who face financial difficulty in meeting their loan obligation. Please visit Financial Hardship Assistance to learn more.
Patelco Online™ helps you stay up to date on all your personal loan details. We make it simple and safe to:
1 APR (Annual Percentage Rate) Rates offered effective 04/01/2025. 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 9.30% 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 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39.
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.
