Your auto loan needs covered

Rates as low as

3.14% APR1

as of 10/11/2019

Free Auto Buying Service


Timely Repayment Incentive Program: TRIP

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  • Used car loan rates as low as 3.39% APR
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
  • Up to 125% 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 with our Timely Repayment Incentive Program (TRIP)
  • Car loan refinancing rates as low as 3.14% APR
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 125,000 miles
  • Loans up to 125% of the Kelley Blue Book value (in case you owe more than your car is worth)
  • Save on your rate by refinancing auto loans from other financial institutions

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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.

You're invited to our Car Sale

Join us for our upcoming car sale October 25 -26 and receive special member pricing.

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 as low as 3.14% APR effective 10/11/2019; 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 and loan balances, program designation and vehicle age. Lowest rate quoted includes 0.10% (10 Basis Points) Commitment Household discount. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.89% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit, or visit any Patelco branch. Loan payment example: $22.23 per month per $1000 borrowed at 3.14% 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,

*Rate discount of 0.50% APR off current auto loan rates and valid on auto loan refinances only. Cannot be combined with any other offers. Offer expires November 30, 2019 and is subject to change without notice.

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