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
Flexible Loans for Any Need
Borrow up to $100,000 and flexible terms up to 7 years
Competitive, Fixed Low Rates
Rates starting at 7.95% APR1
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
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 4/5/2023| Term | Amount | APR Range1 |
|---|---|---|
| 6-36 months | $300 to $100,000 | 7.95% to 17.90% |
| 37-48 months | $300 to $100,000 | 8.45% to 17.90% |
| 49-60 months | $300 to $100,000 | 8.95% 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
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
1 APR (Annual Percentage Rate) Rates offered effective 4/5/2023. 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 7.95% 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 7.95% with no origination fee and make 36 monthly payments of $313.93, your finances charges will be $1,301.33 which would make your total repayment amount $11,301.33
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.