Your auto loan needs covered

Rates starting at

2.65% APR1

as of 8/5/2020

Car Shopping Made Easy


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Make your car buying search easier

Enjoy stress-free car shopping with AutoSMART™

Your one-stop car shopping site

Research and shop for a new or used vehicle with AutoSMART.

  • Browse through thousands of cars from trusted, local dealer partners
  • Research and compare various makes and models, safety features and more
  • Check your car’s trade-in value
  • Negotiate your price and contact local dealers directly
  • Use payment calculators and tools to find out what you can afford
  • Get pre-approved online with Patelco financing then head to the dealer

Start shopping for your next car

  • New car loan rates starting at 2.65% APR
  • Up to 135% financing with Guaranteed Auto Protection and Mechanical Breakdown Protection
  • Flexible terms up to 84 months
  • No prepayment penalties
  • Find and finance your next car online with our easy-to-use AutoSMART™ service.
  • Used car loan rates starting at 2.84% APR
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
  • Up to 135% financing with Guaranteed Auto Protection and Mechanical Breakdown Protection
  • Flexibility that allows you to buy from a dealer, private party, or even buy out a lease
  • Enjoy a potential rate reduction through LevelUp
  • Car loan refinancing rates starting at 2.65% APR
  • Reduce your interest rate or loan terms to better suit your needs
  • Lower your monthly payment and free up cash for other expenses
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
  • Use the equity you’ve already established and borrow up to 100% of your car’s Kelley Blue Book value

Car Loan Calculator

How much car can I afford?

Our markers of success

Shop the way you want

Free, concierge car-buying service

Let Patelco Auto Buying service experts find the car you want and negotiate a great price for you.

Research & Shop with AutoSMART™

Use our AutoSMART™ service to search, shop and finance your ca
r all in one place.

Stay tuned for upcoming car sales

We partner with local dealers to offer special financing events for our members.

Protect your new ride

Expert agents will find you the right insurance and protection services at the best price.

Comprehensive Auto Insurance services2

Get your auto insurance quote today.

Weekdays 5am - 7pm PT         Saturdays 9am - 2pm PT


Guaranteed Auto Protection (GAP)

Guaranteed Auto Protection

Mechanical Breakdown Protection (MBP)

Mechanical Breakdown Protection

Debt & Loan Protection

Debt & Loan Protection

The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website's Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.

1. APR (Annual Percentage Rate). Auto rates starting at 2.65% APR effective 8/5/2020; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.45% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $22.01 per month per $1000 borrowed at 2.65% APR for 48 months.

2. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance,

3. APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 11/1/2018 - 12/31/2020. This offer cannot be combined with any other offer other than those listed in this advertisement.

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Added Benefits

Receive a 1.00 APR% discount on your Patelco Auto Loan rate when you purchase a car with Enterprise Car Sales.3

Learn more