Your auto loan needs covered

Rates starting at

2.55% APR1

as of 1/8/2021

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

Make no car payments for up to 90 days²

Whether you’re buying a new car or refinancing one you already own, we’re here to make it easier on your budget. All of our auto loans come with the flexibility to make no payments for up to 90 days2.

  • Used car loan rates starting at 2.65% 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 2.55% 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
  • Shop online or at an Enterprise Car Sales location near you and choose from over 250 makes and models
  • Competitive and below Kelly Blue Book pricing4
  • Trade ins welcome
  • All vehicles thoroughly cleaned between every rental and backed with the Enterprise Complete Clean Pledge
  • Free home delivery options in select locations
  • 12-month roadside assistance5 and 12-month/12,000-mile limited powertrain warranty6
  • Free CARFAX® vehicle history reports™

Car Loan Calculator

How much car can I afford?

Our markers of success

Shop the way you want

Get pre-approved

It’s good to know how much you can afford before you begin your search.

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 services7

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 2.55% APR effective 1/8/2021; 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 11.20% 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: $21.96 per month per $1000 borrowed at 2.55% APR for 48 months.

2.At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

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.

4. Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. On Average, 75% of our fleet is priced below Kelley Blue Book® Retail Value.

5. Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

6. Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.

7. 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,

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You may qualify for loan rate reductions by making consecutive, on-time payments on your Patelco auto loan.

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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

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