Your auto loan needs covered

Rates starting at

2.45% APR1

as of 8/20/2021

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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 days³

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 days3.

  • Used car loan rates starting at 2.55% APR5
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Up to 140% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance
  • 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 2.45% APR1
  • 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 150,000 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 pricing6
  • 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 assistance7 and 12-month/12,000-mile limited powertrain warranty8
  • Free CARFAX® vehicle history reports™

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Get pre-qualified

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.

Car Sale Events


We partner with Enterprise Car Sales to offer special financing for our members.

Protect your new ride

Auto Insurance

Members could save $665 on car insurance9

Get your quote today.

Or call 888.380.9287

Program made available by TruStage Insurance Agency, LLC and underwritten by Liberty Mutual Insurance

Guaranteed Asset Protection (GAP) Plus

Guaranteed Auto Protection

Mechanical Breakdown Insurance (MBI)

Mechanical Breakdown Protection

Debt 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.

1APR (Annual Percentage Rate).  New Auto rates starting at 2.45% APR effective 8/20/2021; 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, vehicle mileage, amount financed and vehicle age. Additional discounts may applyActual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.35% 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: $21.92 per month per $1000 borrowed at 2.45% APR for 48 months.

2Source: Datatrac, NCUA, and CUNA. The study was completed by the Credit Union National Association (CUNA) year ending 2020. CUNA estimates that financing a $30,000 new automobile for 60 months at Patelco will save members an average of $1,950 over five years, or $390 each year, as compared to what they would pay at another banking institution in California. Member results may vary. Subject to approval.

3At 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.

4APR (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 1/1/2021 - 12/31/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

5APR (Annual Percentage Rate).  Used Auto rates starting at 2.55% APR effective 8/20/2021; 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, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.85% 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 for each $1000 borrowed at 2.55% APR for a used auto loan (models 2011-2019) for 48 months.

6Price 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.

7Enterprise 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.

8Limited 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.

99 Savings validated by new customers who switched to Liberty Mutual between 1/2020 - 10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2021 Liberty Mutual Insurance

LevelUp

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

Learn More

Added Benefits

Receive a 1.00% APR discount on your Patelco Auto Loan rate when you purchase a car with Enterprise Car Sales.4

Learn more